It's Not About Money

It's Not About Money
  • 5.0(5개의 평가)
  • 가이드
  • 주 2회 업데이트
It's Not About Money

Join us, Charla and Matt McKinley, as we delve into the world of parenting with a financial twist. This podcast is your go-to resource for raising responsible and ready adults, providing insights and actionable advice on money matters and beyond.

  1. 4일 전

    28 Skills Every Teen Should Master

    28 Skills Every Teen Should Master  In this episode, Charla is joined by a special guest—her daughter, Kate! As Kate prepares to head off to college, they discuss the essential life skills every teen should master before leaving home. From money management to car maintenance, Kate shares her experiences, successes, and challenges in becoming independent. Key Topics Covered:  - Learning to Spend Wisely  Kate has always been a natural saver, but Charla explains why learning to spend money wisely is just as important. To help her practice, Charla implemented an allowance system where Kate is responsible for buying her own Starbucks and gifts for friends. This approach has helped Kate become more intentional with her spending while still holding onto her saver mindset.  - Working in High School vs. College  Unlike her brother, Jack, who worked throughout high school, Kate focused on her rigorous coursework and extracurriculars. Charla emphasizes that every child is different, and parents should tailor their expectations to their teen’s individual needs. While Kate didn’t work in high school, she understands that working in college will be necessary to support her lifestyle.  - Basic Cooking Skills  Kate openly admits that cooking is not a priority for her. With a diet consisting of grilled cheese, buttered noodles, and Rice Krispie treats, she has mastered just enough to get by. Charla highlights the importance of knowing your child’s personality and teaching them the skills they’re willing to learn, rather than forcing unnecessary lessons.  - Jump-Starting a Car!  One of Kate’s biggest confidence boosters has been learning how to jump-start a car. After experiencing a few dead batteries, she took control and even demonstrated the process for her classmates. This skill has given her a sense of independence, proving that small wins can significantly boost a teen’s confidence.  - Researching & Negotiating Purchases  Whether buying gifts or shopping for herself, Kate is a meticulous researcher. She shares how she overcame her hesitation with secondhand shopping, learning to compare options and make informed decisions. Charla offers insights into helping teens understand different online marketplaces and how to spot good deals. Call to Action:  * Get the list: Check out Charla’s blog for a full checklist of essential life skills teens should master before leaving home. * Reflect: Are there skills your teen still needs to learn? Consider using Charla’s checklist as a guide to help them gain independence. * Join the Discussion: What life skills do you think are most important for teens? Connect with us on social media or leave a comment here! We want to hear from you!!! Connect With Us: - Read more about this topic and other discussions on Charla’s blog: [https://beyondpersonalfinance.com/our-blog](https://beyondpersonalfinance.com/our-blog) - Subscribe to the weekly email with links to our podcast and blog: [https://beyondpersonalfinance.com/subscribe-1](https://beyondpersonalfinance.com/subscribe-1) - Learn more about our unique products designed to enhance your children’s understanding of real-world money management: [https://beyondpersonalfinance.com/](https://beyondpersonalfinance.com/)

    19분

  2. 2월 26일

    Making An Allowance Count

    3 Keys to Making an Allowance Count Part 2 In this episode, Matt and Charla dive into listener questions about allowance, covering everything from when to start giving one, how to handle unwise spending choices, and whether all kids should receive an allowance at the same time. Charla provides expert insights on structuring allowance to teach financial responsibility, while Matt keeps the conversation fun and engaging with real-life examples. Key Topics Covered: -  Do Siblings Need Allowance at the Same Time? It’s common to assume all kids should receive an allowance at the same time, but Charla challenges this idea. Allowance is a tool for teaching money management, not a right of passage based on age. She explains how parents can stagger allowances based on a child’s readiness, responsibility, and ability to handle money. -  What If My Child Wants to Spend Their Money on Something Unwise? One of the hardest things for parents is watching kids make financial mistakes. Charla and Matt discuss the importance of letting kids experience small financial failures now—when the stakes are low—so they avoid costly mistakes in adulthood. They share how parents can guide children toward smart spending decisions without taking control. -  When Should You Start Giving an Allowance? Is seven too young? Charla explains that age isn’t the best indicator—maturity and readiness matter more. She offers tips on evaluating when your child is ready and how to keep the process simple in the early years. -  What If I’ve Already Been Paying for Chores? Some parents worry that switching from a chore-based allowance will be confusing. Charla reassures listeners that they can transition smoothly by implementing a structured spending plan, ensuring kids understand that allowance is for financial learning, while household chores remain a family responsibility. -  How Much Should You Give, and When Should You Increase It? Charla shares a practical formula for setting allowance amounts and explains that as kids get older, their allowance should grow—but only alongside increased financial responsibilities. She and Matt break down how parents can shift financial decision-making to their kids while maintaining structure and boundaries. Call to Action:  * Catch Up: If you have not listened to the first episode in this series or read the blog on allowance, go back and get caught up!  You will be glad you did. * Reflect: Are you giving your child an allowance with a clear purpose? Consider how you can refine your approach to teach valuable financial lessons. * Join the Discussion: Do you have a question you would like answered? We’d love to hear from you! Connect with us on social media or drop a comment. Connect With Us: - Read more about this topic and other discussions on Charla’s blog: [https://beyondpersonalfinance.com/our-blog](https://beyondpersonalfinance.com/our-blog) - Subscribe to the weekly email with links to our podcast and blog: [https://beyondpersonalfinance.com/subscribe-1](https://beyondpersonalfinance.com/subscribe-1) - Learn more about our unique products designed to enhance your children’s understanding of real-world money management: [https://beyondpersonalfinance.com/](https://beyondpersonalfinance.com/)

    20분

  3. 2월 19일

    3 Ways to Make an Allowance Count

    3 Keys to Making an Allowance Count In this episode, Matt and Charla break down the topic of allowance and how parents can use it as a tool to teach kids financial responsibility. They explore the dos and don’ts of giving an allowance, the importance of consistency, and why it should never be tied to chores. Charla shares practical insights on structuring allowance in a way that builds lifelong money skills, while Matt adds his signature humor and real-life experiences. Key Topics Covered: -  Allowance as a Payday for Kids: Kids need to learn that money comes at regular intervals, just like a paycheck. When allowance is given consistently, it creates financial stability and helps children develop budgeting skills. Charla explains how irregular allowance can lead to money anxiety and unhealthy financial habits. -  Why You Shouldn’t Tie Allowance to Chores: Paying kids for chores might seem logical, but it can backfire. Charla and Matt discuss why household responsibilities should be part of being in a family—not something kids expect payment for. They share how detaching allowance from chores prevents entitlement and builds a stronger work ethic. -  The Purpose Behind Allowance: An allowance isn’t just free money; it’s a tool for learning financial literacy. Charla lays out a simple structure that helps kids learn to allocate their money wisely—spending, saving, giving, and even preparing for unexpected expenses. -  How Much Should You Give? One of the most common questions parents ask is how much allowance to give. Charla provides a flexible formula based on age and family dynamics, explaining how to make adjustments that fit your child’s needs. Call to Action:  * Reflect: Are you using allowance as a teaching tool, or just handing out money? Consider how you can adjust your approach to maximize its benefits. * Read More: Check out Charla’s blog for deeper insights and real-life strategies for teaching kids about money. * Join the Discussion: How do you handle allowance in your home? We’d love to hear your experiences! Connect with us on social media or drop a comment. Connect With Us: - Read more about this topic and other discussions on Charla’s blog: [https://beyondpersonalfinance.com/our-blog](https://beyondpersonalfinance.com/our-blog) - Subscribe to the weekly email with links to our podcast and blog: [https://beyondpersonalfinance.com/subscribe-1](https://beyondpersonalfinance.com/subscribe-1) - Learn more about our unique products designed to enhance your children’s understanding of real-world money management: [https://beyondpersonalfinance.com/](https://beyondpersonalfinance.com/)

    19분

  4. 2월 12일

    Traditions with Heart

    Traditions with Heart- Raising Grateful Kids on Valentine’s Day and Beyond In this heartwarming episode of It’s Not About Money, Matt and Charla explore the power of intentional family traditions and how they can shape kids' values, foster gratitude, and create lasting memories. With Valentine’s Day just around the corner, Charla shares some of the creative traditions she established with her children and why saying "no" on ordinary days is an important part of raising financially mindful and grateful kids. Key Topics Covered: - The Importance of Waiting: Charla explains why it’s critical for kids to distinguish between "ordinary" and "special" days. She shares her strategy of saying "no" to impulse buys and how it taught her children patience, gratitude, and the value of waiting for special moments. - Honest Conversations About Money: Instead of telling kids, “We can’t afford it,” Charla recommends framing financial choices as intentional decisions about where to allocate resources. This approach helps kids understand priorities and builds trust. - The Power of Family Traditions: Matt and Charla discuss the Valentine’s Trail—a unique family tradition involving handmade heart confetti, small gifts, and a big surprise at the end. Charla reflects on how these meaningful celebrations taught her kids to appreciate special days without fostering entitlement. - Managing Expectations: Charla and Matt highlight the pitfalls of overindulging kids and how extravagant celebrations can backfire by creating unrealistic expectations. Instead, they advocate for thoughtful, balanced traditions that keep kids grounded and grateful. - Parenting with Intentionality: Charla shares practical advice for parents on creating traditions, resisting the temptation to give in to every request, and fostering long-term values like gratitude and patience. Call to Action:  * Reflect: What family traditions do you currently have, and how do they teach your kids about gratitude and patience? * Discuss: Sit down with your kids and explain why it’s important to save special treats or gifts for milestone days rather than giving them out regularly. * Try It: Choose a milestone or holiday to celebrate with a new family tradition. Keep it simple but meaningful. Connect With Us: - Read more about this topic and other discussions on Charla’s blog: [https://beyondpersonalfinance.com/our-blog](https://beyondpersonalfinance.com/our-blog) - Subscribe to the weekly email with links to our podcast and blog: [https://beyondpersonalfinance.com/subscribe-1](https://beyondpersonalfinance.com/subscribe-1) - Learn more about our unique products designed to enhance your children’s understanding of real-world money management: [https://beyondpersonalfinance.com/](https://beyondpersonalfinance.com/)

    17분

  5. 2월 5일

    The $1 Burrito

    The $1 burrito that transformed how I teach In this episode of It’s Not About Money, Charla shares a pivotal parenting story featuring her son, Jack, and a $1 burrito that sparked a deeper understanding of financial responsibility. Jack joins Charla to reflect on the lessons he learned from managing his own budget as a middle schooler, including the value of saving, the impact of small decisions, and how these early experiences shaped his current financial habits. The discussion dives into why it’s essential for parents to let their kids make “bad” money decisions on a small scale, how those lessons stick, and the importance of teaching kids to think beyond instant gratification. Key Topics Covered: - Teaching Money Skills Through Experience: Why giving kids control over their own budget—even if it means mistakes—builds long-term responsibility. - Balancing Immediate Desires and Long-Term Goals: How Jack learned to prioritize saving for future needs over impulsive spending. - The Power of Real-Life Lessons: Charla explains why hands-on financial experiences are more impactful than lectures. - Building Financial Independence: How these lessons prepared Jack to handle larger financial responsibilities as an adult. Key Takeaways: - Give Kids Hands-On Experience: Allow your kids to manage a budget, even if they make mistakes—it’s a safe way for them to learn. - Focus on the Big Picture: Teach kids to see how today’s choices affect their future financial goals. - Be Patient with the Process: Small financial “missteps” today can lead to smarter decisions tomorrow. - Encourage Reflection: Help kids evaluate their spending decisions to understand the impact of their choices. Call to Action:  * Reflect: How are you currently teaching your kids about money? Are there opportunities to give them more independence in managing their own budget? * Discuss: Share a story with your kids about a financial decision you made and what you learned from it. Use this as a conversation starter about smart spending and saving. * Try It: Consider giving your child a monthly “eating out” budget or another real-world money scenario to manage on their own. Connect With Us: - Read more about this topic and other discussions on Charla’s blog: [https://beyondpersonalfinance.com/our-blog](https://beyondpersonalfinance.com/our-blog) - Subscribe to the weekly email with links to our podcast and blog: [https://beyondpersonalfinance.com/subscribe-1](https://beyondpersonalfinance.com/subscribe-1) - Learn more about our unique products designed to enhance your children’s understanding of real-world money management: [https://beyondpersonalfinance.com/](https://beyondpersonalfinance.com/)

    17분

  6. 1월 29일

    Distracted to Disciplined

    Distracted to Disciplined- 22 year old Jack shares his journey In this episode of It’s Not About Money, Charla takes the hosting chair and welcomes her son, Jack, as a special guest. Together, they reflect on Jack’s inspiring transformation from a distracted teen to a disciplined and motivated young adult. This conversation offers parents hope and practical insights on how to guide their children through challenging years toward a bright future. Key Topics Covered: - Finding Motivation: Jack recalls how a lack of inspiration in his teenage years led to distractions like video games. The turning point came when he realized the trajectory he was on wouldn’t lead to the life he envisioned. This motivated him to invest time and energy into meaningful pursuits, a change that continues to pay off. - Overcoming Obstacles: Despite a natural aversion to certain academic subjects, Jack developed a clear vision for his future, which helped him push through general education requirements. He explains how embracing hard work in less enjoyable areas builds the foundation for achieving larger goals. - Learning Organization: Jack candidly shares his struggle with organization as a teen and how he now manages his responsibilities. While calendars didn’t work for him, he developed a personal system using a notes app to stay on track and avoid forgetting tasks—a small but significant shift that parents will find relatable. - Shifting Priorities: Jack discusses how his approach to video games changed as he matured, prioritizing real-life experiences, skill-building, and lasting memories over screen time. His perspective offers a relatable framework for parents navigating similar challenges with their kids. Call to Action: * Reflect: Are there areas where your child struggles with motivation or organization? How can you help them see the bigger picture of their future self? * Join the Discussion: Share your experiences with guiding your teen through challenging years. What strategies have worked for you? Connect with us on social media or leave a comment here. Connect With Us: - Read more about this topic and other discussions on Charla’s blog: [https://beyondpersonalfinance.com/our-blog](https://beyondpersonalfinance.com/our-blog) - Subscribe to the weekly email with links to our podcast and blog: [https://beyondpersonalfinance.com/subscribe-1](https://beyondpersonalfinance.com/subscribe-1) - Learn more about our unique products designed to enhance your children’s understanding of real-world money management: [https://beyondpersonalfinance.com/](https://beyondpersonalfinance.com/)

    15분

  7. 1월 22일

    Future Focused

    Future Focused:  Unlock Your Kids' Imagination About the Bright Future Ahead In this episode of It's Not About Money, Matt and Charla dive into the importance of helping kids imagine their future and the benefits of incorporating fun, future-focused conversations at the dinner table. They share tips on how to encourage kids to dream about their life ahead, making the idea of adulthood feel exciting and achievable. These discussions not only help kids see their future selves as more than just a distant concept but also foster thoughtful decision-making in the present. Key Topics Covered: - The Power of Imagining the Future: Charla emphasizes that when kids are encouraged to think of their future self as a "friend" instead of a stranger, it changes how they approach decisions. By imagining their future, kids are more likely to make choices that are aligned with the person they want to become. - Table Talk Questions: Matt and Charla suggest incorporating "future-focused" questions into your regular family mealtime discussions. These fun and lighthearted questions help kids think about their future, but without the pressure of having to figure everything out right away. Charla shares several examples of great questions to ask, like, "Will you be the one to cook meals in your family?" or "What will be the first vacation you pay for as an adult?" - The Freedom of Adulthood: Charla talks about how important it is to remind kids that adulthood offers freedom and the ability to choose, whether it's a career, travel, or spending money. By thinking about the vacations they want to take or the kind of house they envision, they learn about the balance between dream and reality—how to work towards those goals. - Dream Big, Plan Ahead: Finally, the hosts encourage parents to let their kids dream big and not be too quick to bring up the practical side of things like costs or limitations. Charla shares how her teen financial curriculum allows students to plan and pay for their honeymoon, offering them a chance to connect dreams with real-world planning. Call to Action: * Dream Together: Take a moment to ask your child about their future. What dreams or goals do they have, and how can you help them start making choices today that align with those dreams? * Download the Questions: Want to inspire your kids to think about their future? Head over to our blog and find the full list of fun, thought-provoking questions to ask your family at dinner. Start dreaming together and shaping your kids' future today! * Share Your Stories: How do you encourage your kids to dream about their future? We'd love to hear your experiences! Join the conversation on our social media channels or leave a comment here. Connect With Us: - Read more about this topic and other discussions on Charla’s blog: [https://beyondpersonalfinance.com/our-blog](https://beyondpersonalfinance.com/our-blog) - Subscribe to the weekly email with links to our podcast and blog: [https://beyondpersonalfinance.com/subscribe-1](https://beyondpersonalfinance.com/subscribe-1) - Learn more about our unique products designed to enhance your children’s understanding of real-world money management: [https://beyondpersonalfinance.com/](https://beyondpersonalfinance.com/)

    15분

  8. 1월 15일

    Self-Confidence Shapes the Future

    7 Ways Self-Confidence Shapes the Future (Part Two) In this second installment of the confidence series, Matt and Charla dive into the final three ways self-confidence can transform a child’s life. They explore the deep connections between confidence, mindset, motivation, and leadership, offering practical insights and real-life examples. To wrap up the episode, Charla shares actionable tips for parents to help foster confidence in their kids. Key Topics Covered: - Fostering a Positive Mindset: Charla explains how confidence helps children overcome negative self-talk and maintain optimism, even in challenging social situations. She highlights how confident kids can persevere when things don’t go as planned, viewing setbacks as opportunities rather than personal failures. Matt shares his perspective on optimism as a “superpower,” showcasing how it can reframe difficulties into growth moments. - Staying Driven and Focused: Confidence gives kids the belief that their efforts make a difference, fueling their motivation to set goals and work toward them. Charla emphasizes the importance of giving children a sense of purpose, helping them connect their actions to a bigger picture. Whether it’s chores or schoolwork, confident kids approach tasks with persistence and a forward-looking attitude. - Stepping Into Leadership Roles: Leadership requires self-assurance, and confident kids are more likely to take initiative, inspire others, and handle responsibility. Charla discusses the importance of equipping kids with the confidence to lead positively, ensuring they are prepared to step into roles that influence their peers and communities for good. - Strategies for Building Confidence: Foster confidence by modeling and encouraging growth through action. Try new things yourself and openly share your experiences to inspire kids by example. Celebrate effort over results to build resilience, focusing on what they learned rather than just outcomes. Provide opportunities for responsibility, such as managing chores or handling their own appointments, to help them realize their capability and develop independence. Call to Action: * Reflect: What is your child’s confidence level? Are there areas where they could use more encouragement or opportunities to grow? * Download the Printable Guide: Check out the full list of “7 Ways” that Matt and Charla began talking through in this episode and in the prior episode. * Get Caught Up: Tune in to part one (24-01) of this series if you missed it, where Matt and Charla cover the first four ways confidence impacts a child’s future. * Join the Discussion: Have you seen confidence shape your kids? We would love to hear it!  You can find us on our social media channels or comment here. Connect With Us: - Read more about this topic and other discussions on Charla’s blog: [https://beyondpersonalfinance.com/our-blog](https://beyondpersonalfinance.com/our-blog) - Subscribe to the weekly email with links to our podcast and blog: [https://beyondpersonalfinance.com/subscribe-1](https://beyondpersonalfinance.com/subscribe-1) - Learn more about our unique products designed to enhance your children’s understanding of real-world money management: [https://beyondpersonalfinance.com/](https://beyondpersonalfinance.com/)

    19분
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Join us, Charla and Matt McKinley, as we delve into the world of parenting with a financial twist. This podcast is your go-to resource for raising responsible and ready adults, providing insights and actionable advice on money matters and beyond.

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  • 제작진
    It's Not About Money
  • 방송 연도
    2024년 - 2025년
  • 에피소드
    55
  • 등급
    전체 연령 사용가
  • 저작권
    © @CharlaMcKinley
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    It's Not About Money

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