0:00:00 – Speaker 1
nextTalk, sponsored by NextTalkorg, contains content of a mature nature. Parental guidance is advised. Welcome to nextTalk Radio with Mandy and Kim On AM 630, the word. Mandy is the author of Talk and Kim is the director of nextTalk, a non-profit organization helping parents’ cyber parent through open communication. Follow us on Facebook, instagram and Twitter. Find our free video series and subscribe to our weekly podcast at NextTalkorg. Are you ready for the nextTalk?
0:00:38 – Speaker 2
So today we’re talking about the big M word.
0:00:40 – Speaker 3
Masterbation, and now we didn’t play that. That’s scary that we both went there, Because that’s our dirty mind Well it’s.
0:00:48 – Speaker 2
You know, it’s one of our most popular shows, i think because it’s like a mysterious experience.
0:00:52 – Speaker 3
Yes, definitely go listen to that if you have questions about it. I should never say it. Mysterious experience That’s not what I meant. That’s another M word.
0:00:59 – Speaker 1
Oh my goodness.
0:01:00 – Speaker 3
No, we are talking about money, money, money We’ve had it’s a thing, and it’s January and I feel like we’re all looking at the budget and we’re planning out our goals for the year, and it’s just a good time to like think about this.
0:01:14 – Speaker 2
It is, and you know you’re recovering from Christmas possibly. So we’ve just had a lot of parents recently ask us how do I talk to my kids about money, which might sound crazy, and when you really start to pick it apart, you realize how much it affects so many things. I mean having it not having it, spending it, saving it, giving it, tithing it. What if my spouse and I disagree? What if one’s a saver and one’s a spender? There’s just a lot to it.
0:01:38 – Speaker 3
Well, and you know, you hear it all the time that kids are getting out on their own and they don’t know how to budget and they don’t you know they’re go to if they go to college. I remember when I went to college all the credit card applications came.
0:01:50 – Speaker 2
Oh my goodness, that first week of school, all the booths, i mean I went crazy, i was making two AM Taco Bell runs, charging them a visa $4.55.
0:01:57 – Speaker 3
Yeah, like. And then you know, 10 years later I’m trying to get it all paid off. Because I had taken Dave Ramsey and I was like, okay, we got to get in our, we got to get this under control. That.
0:02:09 – Speaker 2
Taco Bell cost me $562. Darn you Taco.
0:02:15 – Speaker 3
That midnight chalupa. Yeah, stop worth it, but that’s what we were doing. You know we would study, sometimes we would party and then we would go to Taco Bell, like that’s what we would do.
So you know, i wish I would have had a lot more conversations in my home when I was younger about money. I wish I would. I wish that would have been available And I don’t know that there was a lot of tools and resources out there, but there are now And I think it’s a much easier conversation to have with our kids.
0:02:44 – Speaker 2
It is And I think it’s. you know, as with everything we say, here again, it starts with knowing yourself, knowing your spouse and building an intentional foundation. Because I mean I’ll give you an example, like when I was preparing for the show, i was trying to think of some things that just come to mind immediately when it comes to money, and the first one, which my kids always laugh about, is that only rich people order drinks and dessert. Have you ever heard of that? No, growing up, we never ordered a beverage like Sprite. Are you kidding me?
Like my mom would have looked at me like I was asking for You know the moon. Really, Only rich people order drinks and desserts. That’s what my mom would say.
0:03:26 – Speaker 3
Well, I mean we didn’t even go out to eat, because you know my mom was a single. I know your mom was a single mom too, She was yes. But we were, we were. We had a little bit of trouble with the finances. You know we were, we struggled a lot And so I never went out to eat So like to even get like a cheeseburger was big deal From. Donald’s was a big treat for me. Yeah, And times have really changed. I mean how much food we have available, the options we have available.
0:03:49 – Speaker 2
Even the price is different.
0:03:51 – Speaker 3
Yeah, And like I, i mean my kids order a Sprite and I’ve never said to them you know only rich people.
0:03:56 – Speaker 2
Only rich people.
0:03:57 – Speaker 3
Like I’ve never. I’ve never said that because they would be like well, we’re not rich, Why are we ordering this?
0:04:01 – Speaker 2
Yeah Well, the funny thing is, though, my mom would say that all the time in passing, and I never really thought about it, but it became a part of my DNA. So when I had kids, the first time we went out to eat and they were like I’m going to have a camera, yes, orange juice, or whatever I looked at them like are you crazy?
0:04:18 – Speaker 3
You’re gonna drink water. Do you think you’re rich?
0:04:20 – Speaker 2
Yeah, like I kind of lost it a little bit which is hilarious.
0:04:23 – Speaker 3
Crazy mom mug came out a little bit.
0:04:25 – Speaker 2
Yeah, and I realized in the conversation you know at the table, like oh, this has been ingrained in me that you don’t do those things And so having kind of realizing where you come from and what your truths are and where you operate from is a really great place to start. And then you gotta have those conversations with your spouse.
0:04:44 – Speaker 3
Well, and I feel like you know how you grew up is gonna affect that. If you’re a spender, if you’re a saver, that kind of thing, Oh yeah, Because you’re carrying that around without realizing it.
0:04:54 – Speaker 1
0:04:55 – Speaker 3
Matt and I recently did in our month of marriage series. We did a show about why we had fought over gifts, Cause we had we fought over gifts for like 20 years. Yes, Like he would buy me gifts and I would get mad, And then like it was this whole thing. You gotta go listen to that show, But it’s exactly what you’re saying. Our past had made us think certain ways about gifts and money and how that fit into the budgets.
0:05:17 – Speaker 1
0:05:18 – Speaker 3
And how we were brought up was affecting that And we didn’t even realize it.
0:05:22 – Speaker 2
We did not even realize it Because you’re just operating out of what you know, yeah, and what your truths are, and that’s why you know in our video series we did you have to know your family DNA, you need to know the stories, you need to know what happened And your spouse needs to know that So they know why you’re reacting the way that you are to things.
0:05:38 – Speaker 3
That’s on the. Let’s just do a plug right now. Let’s do it girl. Because that is on the marriage video where you and Charles lead And it’s so good And you guys gave us such great tips there. And if you have not checked out the video series, you gotta go to nexttalkorg and click on videos, because right now in January is the perfect time to start a group. You can get those nine weeks in with your neighbors or just with your spouse.
You and your spouse go through it, you all can be a little group You know or gather a few friends, But from now you can get it done before school’s out. You’re wrapped up for the summer, But you can get that in And it’s gonna help you so much as you have free time over the summer to have some really great conversations with your kids and your spouse. Absolutely.
0:06:20 – Speaker 2
Check it out nexttalkorg. Okay, plug over Nine week video series. Yeah, commercial over.
0:06:25 – Speaker 3
You just made a way for it, And so I just went in there.
0:06:29 – Speaker 2
No, that was good, it was good. And you know the thing is, the money topic is still one of the number one reasons people divorce. So you know that those truths are ingrained in us and you’ve got to unfold all of that Like peel back the onion layer by layer and be open with your spouse Like this is what we did, this is what we didn’t do. You know, i remember my dad one time saying in passing, but it stuck with me bankruptcy’s just a cool way to start over, and he probably didn’t mean that, he probably just was saying it, but it has stuck with me. So you think it’s an option?
0:07:02 – Speaker 1
Yes, I always thought it was an option.
0:07:04 – Speaker 2
Yeah, so I’m gonna get all these credit cards and oh, if it doesn’t work out, I can just do this bankruptcy thing.
0:07:08 – Speaker 3
So I grew up thinking there was a big stigma around that, yeah, big stigma around it, and it was like you work four jobs before you have to do that kind of thing.
That’s how my husband grew up too, Again it’s like a different just how you were raised, what has been told to you and what sticks in your brain. You know, one of the things that’s been interesting with my spouse and I is when we first got married. I was the saver and he was the spender, because he grew up and had more money and so he never had to worry. I grew up and we had to worry about money, and so it always made me wanna have a nest egg. You know, because it’s a rainy day Like.
I never want my kids to have to beg for a cheeseburger because we can’t afford it you know, and so that was always my fear, like we always have to have money in the bank, and he was the opposite, like it’s fine, like I’m getting a job I’m supporting, like we’re good, you know, because he didn’t have to struggle as much, and now we’ve swapped. Yes, like he has become the saver Mm-hmm, and I’m more like, because I guess I’ve been with him 20 years and he’s become more.
0:08:09 – Speaker 2
He’s rubbing off on you.
0:08:10 – Speaker 3
Well, well, and too, i feel stable financially, you know, because he’s we’ve worked really hard and we took Dave Ramsey right when we got married and we stuck to it and we’re in a pretty good place. You know, it can always be better, but we’re in a better, much better place than we would not have if we did not take Dave Ramsey. And so I feel like, well, we can spin this, like it’s fine, like we’ve got it, we you know, and so it’s been funny to see how we’ve switched spots, and so now we have to, like, talk through those things, yeah absolutely, and I think that that’s the key is you have to talk Like.
0:08:43 – Speaker 2
You can’t assume that your spouse feels the same way you do about money. You can’t assume that they understand where you’re coming from, why you freak out when they want to buy a new car Or why you feel sad when they want to save up money, like there’s nobody’s business. You know those are things you got to talk through and then find a balance And that becomes your operating place to parent your kids through the money, and that’s okay. To find a balance. You can’t go one way or the other or someone’s going to feel like they’re not being represented. So finding a way to come together with your goals now and in the future is really important before you start telling your kids how to operate with money.
0:09:22 – Speaker 3
What I have found is, the more Matt and I communicate about that, the more I don’t get mad at him for the way he is. Well, yeah, because you know, but I understand the why behind it. I’m like, oh, i never realized that, you know, and he’s the same with me Absolutely. Instead of getting irritated that I was taking back his gifts, that he was buying me and I was like we don’t, i don’t need this, instead of like him getting offended by that, now he looks at it and he’s like oh, i get it. You’re just not used to getting those material things and you don’t know how to receive it. You don’t know how to receive it, and so it’s a whole thing, the whole money thing.
0:09:55 – Speaker 2
There’s so many layers to it There are And you know, I realized recently we talk a lot about having like tools in your tool belt and you always want to use that for good and not for bad. And that has helped my husband and I very much talking through the money things lately, because he knows, okay, this is a trigger for her. This is a difficult subject when we talk about this in regards to money. So before he brings it up, he takes a step back and he’s like, oh, I need to preface this with. This is gonna be a challenging conversation and I’m not attacking you And I know that this is hard for you to talk about, but I feel like it’s important And that helps me to like let my guard down, like, okay, he knows this is difficult and we’re able to talk it through and without the motion there. And so having that knowledge of your spouse’s triggers and their past and their beliefs also helps you to prepare the conversation.
0:10:48 – Speaker 3
I would also say, you know, reflecting on Matt and I in our money and our budget and how we did it, when we started doing Dave Ramsey, we did it together, which was great, but my role in the relationship was that I would take care of the finances. So I did the budgeting, the taxes, you know, all of that kind of financial stuff right. And we noticed that Matt was feeling like kind of controlled, like I had the on the lopes and I had determined what went in him and I was figuring it all out And he was feeling like this was early in our marriage, before we had kids. He was feeling like he had to ask permission. I’m doing the air quotes right now.
0:11:25 – Speaker 2
Yes, ask permission.
0:11:28 – Speaker 3
And so we had a moment where we had a blow up, you know, early on, and we sat down and I said oh, you need to be involved in this process with me. You need to know why this envelope only has this much money, Like your free spin money only has this much money because all of the money went to pay off this debt and this debt because we’re doing the snowball effect with that. Dave Ramsey says right.
0:11:48 – Speaker 2
Well, don’t you feel out of control when you don’t know what’s going on?
0:11:50 – Speaker 3
Yes, you know. And so ever since that day that was before we had kids Like at least once a month, we try to come together for an hour or two. pull up the monthly budget, look at it. We know where every dollar is spent. Now we don’t do the on the lopes.
0:12:08 – Speaker 1
We get cash back rewards, but we pay it off, you know, at the end of every month.
0:12:12 – Speaker 3
But we’re disciplined enough now that we can do that. We were not. Many years ago, we were not disciplined enough to do that And so. But that has been great for us to see we’re all on the same page, we’re both on the same page And we’re able to be like okay, this is why our free spin fund is not that much this month, because we had to do this and we had this extra expense of the sports activity and whatever.
0:12:34 – Speaker 2
Whatever is popping up you know You got to talk through those things.
be on the same page, let them do the budget together And talk about the things that you take for granted. I think that’s really important, like when Charles and I first got married, we weren’t talking about college for our kids because we didn’t have kids, but as we had kids, you got to talk about that, because your beliefs may be different. You may think we are going to save all this money. We’re going to pay for our kids college, and your spouse may think they’re going to work for it. We’re not paying for your college And it’s important, before you get to that point, that you know the plan.
So think outward also, not just in the moment. College, retirement what is retirement going to look like? Your vision may be different than your spouse’s, and now would be the time to think through that, versus when you’re already there, absolutely. So think now. Where are we coming from? What’s our family DNA? How does that affect how we feel about money? and then, in the future, what you want your family to look like? And after you’ve done all that work and you’re on the same page and you’re budgeting together and you know your goals, short and long term, then you got to let your kids into your financial world.
0:13:41 – Speaker 3
If you’re just now tuning in, this is nextTalk Radio at 2 pm on AM 630,. The word nextTalk Radio is listener supported. Everything we do at our nonprofit to keep kids safe online and strengthen families is accomplished through your donations To support our organization. Go to nexttalkorg and click on give. Okay, kim, you had just moved us in into okay. We’re on the same page with our spouse. We’ve talked through those goals, we’re budgeting together, we’re looking now in long term and now we got to bring our kids into the conversation. So what does this look like? How can we do this?
0:14:15 – Speaker 2
effectively. You know, Dave Ramsey said, if you don’t teach your kids about money, somebody else will. And that really has stuck with me because, even though my mom did a pretty good job of letting me into her financial world she was a single mom and she showed me some cool stuff I still wasn’t prepared when I went to college and, like you were talking about earlier, that first week of school and like that, you know, it was that meeting, that general meeting area. I can’t remember what they called it, but it was like where we went and there was like a cafeteria.
Like the common, like the common something. Yeah, the common something. I don’t know.
0:14:50 – Speaker 3
You know what I’m saying. Anyway, a little bit, since I’ve been on a college campus, i know I’m going to start that touring with my kid. Can you believe that That’s crazy? So I’ll know that. So you’re gonna see what I’m talking about, if they still do it.
0:14:59 – Speaker 2
I know what you’re talking about, but they had lined that common area with credit card companies. It was like walking into a trap, because here I’m starting school and I have no money. And I’m walking down there like, do you want a free t-shirt? Do you want this awesome glow in the dark frisbee? Like I don’t know.
0:15:16 – Speaker 3
And your new roommate has all these designer clothes. Yes, and you’re like I need that too.
0:15:20 – Speaker 2
Yes, and they were like, just apply, you can decline it later and you can have all this free stuff. You can have this $25 gift card and I, so I applied, probably liked a 20 of them. Oh, i didn’t know, i only did like two. But 20? Not 20. It was probably more like six, which is crazy.
0:15:36 – Speaker 3
Yeah, but I think that’s what happens. And then you have it in your wallet And it’s so easy to go on the late night talk about rent And you want the chalupa so bad.
0:15:44 – Speaker 2
Yeah, you’re like I’ve got to have the Nacho Supreme right now. With guacamole. So then you’re like well, i’ll just use the card this one time. Yes, And then before you know it, there’s thousands and thousands of dollars racked up on these cards, and you’re like what in the world?
0:15:57 – Speaker 3
You’re like what did I buy, right? I have nothing to show for it. Yes, because it was mostly food, chalupa And drinks. I have like yeah And chalupa, oh, let’s just Yeah.
0:16:07 – Speaker 2
So all that to say, those are the conversations, those real conversations that you’ve got to let your kids in on. You can’t just say credit’s bad, that’s not going to affect them, they’re not going to remember that You’ve got to invest in them by telling them the stories and making it come to life for them.
0:16:22 – Speaker 3
So my kids know about the 2am, talk about runs. They know about them And I have said you know, before I had you, my oldest daughter, i will say, before I had you my goal was to get all the college loans and the credit cards paid from college And I worked my tail off to get him done right before she was born. Like literally I was like eight months pregnant and paying off the last one.
0:16:44 – Speaker 2
You were working at Taco Bell, But I was like gotta pay off this chalupa.
0:16:48 – Speaker 3
I actually was. I got a little sick, you know, because I don’t have good pregnancies, And so I was working from home, but I begged.
0:16:55 – Speaker 1
my boss, I’m like you gotta let me work from home. I was so close to paying off this.
0:16:59 – Speaker 3
I was apparently going all the time And so by God’s grace he let me do that. But yeah, i mean, so I’ve had that conversation Like it was hard to pay all that off. I don’t want you to be in that same situation Now. You may have at some point you may have to do a student loaner. You may have to, because how we’re kind of telling our kids is we’re gonna pay a percentage and they’ve got a percentage, and so you know we’re four years away from this thing, and so our conversations surrounding college and how to pay for it are like every night at the dinner table.
0:17:28 – Speaker 2
Like we’re talking about this thing.
0:17:29 – Speaker 3
Absolutely. One of the things that we do as a family is, if we have a big decision to make, like a big financial decision, maybe it’s a new car or whatever like we need. When I say new, I mean new used for us.
0:17:41 – Speaker 2
Yeah, same here. New to us is what we say.
0:17:43 – Speaker 3
What we normally do is find a new model that we love, and then we’ll search the used like. I’ll be like this is the one I want.
And then we’ll do like a three-hour search for a used car that has low miles, that has hopefully everything that we wanted in that new car, anyway. But we talk with them about that Like and we say this is going to be what it cost us, and because we’re paying for this vehicle now, we’re going to have to reduce the amount that we’re putting in your college fund because of this and that. Or you know, like have that conversation, like what that looks like, and it really makes them appreciate, like when we go to test drive, i’m like do you need more leg room? And they’re like well, we don’t really need this, because if it’s, if we’re going to have to take it out of this fund, like if we’re not going to be able to eat out as much, yeah, then maybe we don’t need that.
0:18:30 – Speaker 2
Yeah, and it, it puts it all in, it helps them analyze Yes, puts it in perspective.
Absolutely. I couldn’t get the word out No Perspective. It puts it in perspective. Well, it’s just, they understand the concepts better. I will say my mom did a good job of doing that when it came to buying cars and also checkbooks. Like she sat me down every month and was like, let’s look at how you balance the checkbook, That’s so great. And she walked me through that and showed me how to do it every month And so I understood that concept and where money went and how close it was sometimes. And then every time she bought a car she brought me with me And I remember sitting at the table with the negotiators and passing the paper back and forth.
0:19:08 – Speaker 3
That’s why you’re such a good negotiator.
0:19:10 – Speaker 2
0:19:10 – Speaker 3
You have that skill? I don’t, yes, well, it’s my dreaded thing, but for you, you’re like, help me negotiate.
0:19:15 – Speaker 2
Yeah, i love it because it’s familiar. Yeah, again, it was something my mom normalized for me and was like you’re going to need to know how to do this someday So you can come start coming with me now. What a great skill, and so I remember doing all of that. But then she also said this other thing which has also helped at times It’s terrible, but she would say sometimes you got to rob Peter to pay Paul. Oh no.
0:19:35 – Speaker 3
Isn’t that funny? Like it’s just. I have said That is just. I have heard that expression so much from the older generation. It’s an older generation thing, because we don’t say it No, if we said it to our kids, they’d be like what Say, what Yeah?
0:19:50 – Speaker 2
No, Yeah, But she said that and it stuck with me And I remember saying that when we were first married to my husband, when I was first married, and it was really tight the money and we were trying to pay this, But then we couldn’t pay that And I’d be like this is how we’re going to do it, We’re going to shift it And the dates are going to be here And then it’ll overlap. Sometimes you got to rob Peter to pay Paul And he’s like what He thought it was crazy.
0:20:10 – Speaker 3
It’s like working the system Yeah, work the system Or just understanding that this fund is going to affect this fund, and that’s a whole concept.
0:20:19 – Speaker 2
It’s a whole concept. So you’ve got to let them in. So many parents shield their kids from sometimes the dirty business of money. It just can be down and dirty sometimes, like this is going to happen, and you can make it positive by letting them see how it all works. Let them into your world with the details, explain things like depreciation. I think that’s a really important one. You know, when we buy this vehicle, this is how much we’re going to pay for it. But literally the moment we drive off the slot, this is how much it’s worth.
0:20:48 – Speaker 3
Yeah, Now my husband always tells the kids when we’re looking at a car, you know, like this we have to have a car. Like we have to have a car to get around, But what do we need? Like we need a reliable something, You know. So when they’re saying I want CDEaters in the back, OK, well, is that a need or want?
0:21:04 – Speaker 1
Because we don’t need that.
0:21:06 – Speaker 2
0:21:06 – Speaker 3
You know, but just having those conversations with them. You know we’ve said this before, but Dave Ramsey has great tools for parents and kids And he has this whole step plan. I don’t know how many steps it is. What is it? Eight, i can’t remember. I don’t remember, but it’s really great. It helped us early on in our marriage. I heard one pastor be real simple and say you know, live by the 80, 10, 10 rule, which was give 10, you know and save 10. And then You live on 80 percent.
0:21:38 – Speaker 2
We do that with our kids. I think that’s a real simple way It is. They have three. They each have three Clear piggy banks because they need to be able to see the money go up and down. And they say 80, 10, 10, give, save, spend, and so they know when they want to go buy something or whatever They can freely from the spend. And then there’s the save and there’s the give, and that’s their tithe. And so they just in starting those things at a young age, so it becomes their normal operating norm.
You’re there like this is just what we do, and you want to model things like impulse buying, like I Would love to walk in the store and be like I love, that’s what I’m gonna buy right now. But if I do that every time, then we’re modeling that we just buy what we want when we want it.
0:22:19 – Speaker 3
This is so good, like teach them how to use coupons, like that is a big thing too. I teach them how to do that. I show them how Groupon works like we use that. That’s a tool that we use, and my daughter has loved thrift shopping, yeah, and she was hooked the first time she went, because I think we spent $60 and she got two bags full of designer clothes Like they were awesome.
0:22:39 – Speaker 2
0:22:40 – Speaker 3
We found a couple thrift shops here in town that are just clean and nice and awesome and When we left I said, honey, if we would have gone to the mall For 60 or 60 or $70 I can’t remember what it was it was under $100. I said you may have been able to get one pair, or maybe with jeans or one outfit. Yes, depending on the brand or whatever and that was her moment.
She was like, why don’t? I mean, she always wants to do thrift shopping, absolutely that’s her thing. But like, just, it was a simple conversation.
0:23:07 – Speaker 2
Introduce them to these alternatives, show them how to see the world through different eyes and let them into all parts of your Financial world so that it’s not a mystery to them and so they’re equipped when they get older, and then plant those seeds of financial wisdom because, just like I said, all those things that I remember growing up, like only rich people Order drinks and dessert they stick with you. So you know, like it’s always better to give than receive, model that just simple things like we tied first. Yeah, bam, that’s, it doesn’t have to be complicated.
0:23:36 – Speaker 3
That’s a big one for us. We talked to our kids about they know how much we tied like that. One time My daughter was having this high school project where she had to research careers and then she did do a budget.
0:23:45 – Speaker 1
Which I thought was amazing.
0:23:47 – Speaker 3
It was amazing and she came home and she said how much do we make and can I see our budget? and My husband and I looked at each other first and we’re like, should we?
and I was like yeah, we’re doing this totally and you know her, seeing the tithe part, she was like so we can do the new car. And I’m like, yeah, but we’re not, that’s not coming out, we’re not taking anything out of the tithe like that. That. That that one never moves, you know, it just adjusts to the salary, the 10% Kind of thing or even more, and so but that was a great conversation, just absolutely, we are sticking to that. We’ll go without a new car before we break into our type budget.
You know, now we can eat, we can break into our eating out budget.
0:24:25 – Speaker 2
Yes for the car.
0:24:27 – Speaker 3
But just having those conversations, knowing that everybody has to make priorities. and let me know, unless you’re a millionaire, a billionaire, but you’re here, sorry Guys. Yeah, it’s a pleasure to be here and to join you today. You still have to be handling it well.
0:24:36 – Speaker 2
I love what this mom told me the other day. She said growing up we had money, a lot of it But my dad always said we have the money for this, whatever it was, but we’re choosing not to spend it there.
0:24:47 – Speaker 1
I love that.
0:24:48 – Speaker 2
And she said that just really stuck with me And she uses that with her kids, like, yes, we do have the money, but we’re making the choice to spend it elsewhere. And just some of those wisdom pieces that you can share with your kids, that they can hold on to, just like scripture, it stays in their mind as they grow up, like Matthew 6, 24,. No one can serve two masters, for you will hate one and love the other. You will be devoted to one and despise the other. You cannot serve both God and money, so good.
0:25:14 – Speaker 3
As we wrap up today. One, understand your relationship and beliefs about money. Agree on an intentional plan with your spouse. Two, let your kids into your financial world. And three, plant seeds good ones, of financial wisdom.
0:25:33 – Speaker 1
Thanks for joining us on nextTalk Radio with Mandy and Kim on AM 630, the Word. You are not alone trying to figure out how to parent in this digital world. We are here with practical solutions to help you. Follow us on Facebook, instagram and Twitter. Find our free video series and podcast at nexttalkorg. Are you ready for the nextTalk?
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