What we cover:

Every conversation is different, because every kid is different.

We talk about:

• What money means to them right now — and what they've absorbed about it without anyone teaching them directly

• Earning, spending, and saving — in their own words, at their own pace

• Setting up a bank account and a simple way to track where money goes

• What wise choices versus wish I'd done that differently actually feel like

• The values they're carrying forward, and the ones worth questioning

This isn't a lecture on budgeting. It's the start of a habit — a teenager who's used to thinking out loud about money, instead of hiding from it.

Who is this for?

High school students of any age, though I especially love starting with freshmen and sophomores—there's more runway to build healthy habits before they leave home. It's just as valuable for a junior or senior who hasn't had this conversation yet.

The details:

Format: One hour, one-on-one, in person or by video

What you get: A conversation your teen will actually remember, and a starting point you can build on at home and two take-home handouts — questions for kids and questions for parents — to keep the conversation going

Let's begin their first chapter!