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Teens & Money!

The Steve Noble Show / Steve Noble
The Truth Network Radio
August 16, 2022 6:21 pm

Teens & Money!

The Steve Noble Show / Steve Noble

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August 16, 2022 6:21 pm

Teens & Money!

Steve talks to Charla McKinley to discuss financial classes for teenagers. Her classes can help teens to save money.

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Finishing Well
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The following program is recorded content created by And now here's your host, Steve Noble. Steve. Steve. Steve. Steve. Steve. Steve. Steve. Steve. Steve. Steve. Steve. Steve.

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Welcome back, it's Steve Noble, The Steve Noble Show. Here's a funny question for you, parents and grandparents. Is your teen or your grandson or your granddaughter wasting money and clueless about how expensive life is?

And all God's people said, Amen. Yes, of course, the vast majority of them are. And so we're here today with Charla McKinley, who designed Beyond Personal Finance,, Beyond Personal Finance, The main point here, by the way, is not for you to hire Charla to come teach your kids or grandchildren. It's for you to do it. You're enabling people, Johnny Appleseed, with the tools that they need to not be like the rest of the country.

That's right. Well, you know, I started teaching it. You know, that was kind of my first go around is teaching it to my son and his friends. But with everybody's schedules and, you know, it just got kind of crazy. And all these parents were asking, Hey, I really want to take this class. And I was like, Okay, well, here's my availability. And so finally, we just got to the point, you know, let's just get this thing professionally videoed. Let them do it self paced. So that's where we are now is, you know, you can just start the class on your own. And it's all online.

It is all online. The teenagers can do it themselves. You know, they're certainly old enough.

And then they come back. And what the parents get to do is now, instead of lecturing to them about how expensive life is, or whatever, they get to just go, Hey, what car did you buy? Yeah, what did you decide to do? Oh, interesting.

Conversational. Yeah, because I earlier, you know, you were talking about a Ferrari. And now you've bought a used something or other. That is really what made you change your mind. Oh, you figured it out. Okay. You know, that's, that's, in my experience, you know, teenagers, they're just not going to listen anymore.

You know, when they they've got to see it for themselves. And I don't know their anti establishment. That's right.

Anti big machine. Correct. And so you give them a that's why when I mentioned this beginning of class, and you do this as well, when on a whiteboard in the middle of a class out of nowhere, when I take them through a budget, just go live on their own when they're 18. Because now you've got facts and they see it right. And they see reality. It's no longer just mom or dad saying, Oh, you don't know.

Yeah, no. Fine. You make the decisions, you make the call, you decide. And then let's go see what you can do here with the money you think you're going to have.

And it's eye opening. And so what I was going to ask the confluence of the fact that you got a degree in finance in your CPA, retired CPA, but then working with your son, how old was he at the time? He was in seventh grade. Yeah.

So pretty young. Yeah. So how did that work? The confluence of your training and professionalism and knowledge? Yeah. But you're dealing with a seventh grader. That's right. Because that's the trick, isn't it?

That's the trick, is exactly right, is to try to figure out what we know. You know, we've all stuck our hand on the stove and gotten burned financially. We all have, and our kids haven't. And we don't want it for them. But we don't know how to teach it short of sticking their hand in the stove. So it's hard. And the Dave Ramsey stuff was not designed for them.

It wasn't. And Dave, I mean, that's great stuff. There's a lot of it that's great. It's absolutely, you know, if you follow Dave's path, you will get out of trouble. But our kids aren't in trouble. And so they're not yet in trouble. And telling them, hey, store this away for when you get in trouble.

It's just not going to work. And, you know, like we were talking before the show, you know, we teach our kids to drive by letting them drive. And that is why that's how they learn. And the same thing, too. We've got to let our kids have money to practice.

Because if all they did was go to the classroom. Right. And then we gave them a license. Good luck. Good luck with that. So like now, I think our daughter, when she finished her license, she's 17. She'll be 18 in December. She'll be a senior.

But I think she had to have 60 hours before they would give her her actual license. So you actually have to get in and do it for real. So I want to go through kind of the process of the class as we look at What's the process?

How do you kind of build them and then get them into this? Like you said before, it's kind of if the Game of Life and Dave Ramsey's program had a baby, that's what you would get. That's it.

You could be on personal finance. That's right. And so kind of take us through the program because I want people to really get an understanding here. Because again, the point here isn't for you to sign up and send your kids to come sit in the classroom with Charla. The point is for you to get this for yourself.

And then the kids, the students go through it themselves. Is that right? They certainly do. Absolutely. Okay. All right. So take us through kind of the nuts and bolts.

Yeah. So they start off at their future age 22. And at that point, I tell them on a prerecorded video that they have either graduated college or they've been in the workforce for three or four years. And then the very first choice they get to make, because again, the more I'm putting on the teenagers to choose, the more they'll embrace it. I'm not having them, the Game of Life has them choose from a deck of careers.

I'm not into that. There's an interest assessment. They find a job that suits them and that job comes with a paycheck. And it's all from the Department of Labor. These are not made up numbers. These are hard numbers. That's right. These are numbers.

I want them to trust me. So they start and now they've got this paycheck. And then after that, that's lesson one. Lesson two through 20, they progress in age. They turn 23, 24, 25.

In every lesson, something else happens to them. So they start budgeting their 22-year-old money. Then at 23, it's time to buy a car.

And I say, okay, look at how much you had left over at 22. And now at 23, take what you had left over and buy a car. And then I say, oh, man, you didn't have enough to buy a car? Oh, you're going to have to have a loan, which means you're going to have to pay more for a car than you would because you didn't have enough money. And I let them get a car loan.

I let them get a student loan. I... Yeah, because other people would sit there and go, oh, you shouldn't do that. That's bad. Correct. Yeah, but it's out there and it's happening. It can be a tool, but let them make the decision in the safety of the program.

Exactly. So I show them, as they're tracking along, doing their own budget, I show them my sample budget. And I came from a single parent home. Neither of my parents went to college.

I was the first one. And my parents sent me off to college with $400 a month total. Yeah, that's it. Good luck.

They didn't know. Will that cut it? So I had student loans. And so when I show them my budget, what it would look like today with that level of student loans, they're watching every lesson. I go, okay, do yours. Now here's mine.

And they're seeing, there are things I cannot afford because I have that student loan. Right. And so I do.

Cause and effect. You already know. And so I let them have a student loan, let them have a car loan, so that they can see, oh, wow, this is what they mean when they say dead is bad.

It's the choice I made at age 22 is keeping me from a choice at age 30. Yeah. And they, until they see it for themselves. And a 72 month loan sounds okay in month one. Right.

When you get the shiny thing off the lot. That's right. But then you go 72 months. Do you realize that's six years, right? Correct. So you're 22 now you'll pay it off when you're 28.

And you just never had those thoughts when you're young. That's right. You just think I just got the car. Yeah.

Smells great. I win. Yeah. Yeah.

Yeah. So we go through, I teach them, you know, like in the lesson about cars, I teach them about depreciation. I teach them new versus used and leasing versus buying. I teach them all the fundamentals, just the same as other personal finance programs do. But in order to really get that head knowledge into the heart, they do a budget based on a car that they would choose. So they recalculate the budget and then they end up the next year, we're onto apartments. And then let them totally blow themselves out of the water.

Let it blow them out of the water. Because that's how you learn. I wish I had learned it that way as opposed to learning it in the real game of life, which didn't go so well for a while. We're talking to Charla McKinley, beyond personal finance, for student ages. You know, I like it. Middle school and high school.

Middle school and high school. That's a lot of them. We'll be right back. Welcome back.

It's Steve Noble, the Steve Noble Show. Bullet proof. That's certainly not a phrase that we would use when it comes to, well, the national debt, right? The finances of the country. But the country is made up of 330 million people.

And unfortunately, our government lives pretty much exactly the same way that most Americans do. Most Americans don't have enough cash to pay for an emergency car bill. They just don't have enough cash and not any savings. And that's because none of us really learned in terms of personal finance when we were young.

So we're set on a crash course. And then you get out there and you figure it out on your own. Spiritually speaking, we know that we're bent towards excess and taking good care of ourselves and not being responsible. We don't like delayed gratification. We don't like to say no to ourselves.

Deny yourself, take up your cross and follow me. No, that is not the American way. And especially when it comes to finance, that's what happens.

So many of us, put your hand up, say amen if you're with me, have really tough, difficult stories. And maybe it's still dogging you because you never got good at handling your personal finances. So beyond personal finance is what we're talking about today with Charla McKinley.

She's a mom, a CPA, a degree in finance and taught her own, starting with her son who was in seventh grade and then turned this into a formal program,, beyond personal finance,, which you can purchase. And then your student in middle school and high school goes through it themselves. They own it and they go through. It's like the game of life. That's what you were saying. Start at 22, end at 42, make real decisions about real life based on real numbers and real income, and go through the whole simulation so you can do it this way and mess up before you go out there and it costs you.

That's right. Instead of a game board, they use Google Sheets. So they are using a spreadsheet so that they don't feel like they're a kid. They feel like, hey, this is important. This is what adults do. This is how we structure our money. So yeah, it's a lot of fun. It's very eye-opening. You know, we were talking about some of these stories that I've had from kids.

I've sold hundreds and hundreds of these stuff across the country. And, you know, one kid, he couldn't decide between being a composer or an engineer. And my program allows you to do multiple budgets. So he's good with numbers, but he loves music. He does.

Yep. And so he couldn't decide between the two. So I, you know, suggested that he look both of those wages up on the Department of Labor's database.

So he finds out those, how much that is, and then does two budgets and runs the simulation both ways. And he quickly finds out two or three lessons in that he just, he can't afford an apartment of his own. He cannot afford a car.

And, you know, he's saving nothing as a composer. But here's the trick. You know this as a mom.

I know it as a dad. He came to that conclusion. That wasn't Miss Charla telling me, killing my dreams. He ran the numbers, and then he had to deal with the fact that, okay, I can't make this work as a composer. I can definitely make it work as an engineer. At that point, I'd say, well, God put that composing thing inside of you as well. So don't abandon that. Maybe that's a side gig. Maybe that's something. And maybe one day that can work for you.

Don't let it go. But in terms of providing for you and if you want a family, you got to be an engineer because that's just reality. That's right. And that's what I told him. I said, you know, hey, I'm sorry our world doesn't value composing enough to make it a livable wage. But good news, you know, you get off work five or six o'clock every night, and you've got the weekends, and you can still compose. But I can tell you that a heart that is weighed down with debt and financial stress is not going to create the kind of music. Can you imagine if you are writing songs to pay bills versus writing songs out of a space of peace and freedom? And so what I would suggest to him and to everybody is I'm not trying to kill their dreams, but I want them to have a foundation so that they can eat and they can live inside with air conditioning.

And all that kind of stuff. Yeah, like I've got, you know, there's a statistic that says these young adults, 30% of them are living at home. And that's not good for anyone. It's not how we were designed. And so I really want to change that. And the only way I can is to have them, you know, it's stunning to me how many decisions they have to make at such a young age.

You choose your career, you choose, you know, a college. Yeah, it's tough. Life comes at them awfully fast.

That's right. And so I want to show them in advance in this class, they get, they choose a spouse, they have children, they get a house, they furnish the house, insurance, investing, the whole night, vacations, clothes, real life, real life. And they spin a wheel just like they would on Game of Life. But instead of it being something like, like literally the Game of Life has, you've won a beautiful forehead contest, collect $20,000. I mean, if this is right, if this is ridiculous, it's ridiculous. So how can we talk to our kids about, you know, cutting coupons if they think that, you know, they're just going to get $20,000? Well, now it's like something that happened to us a couple months ago. We got a notice from the IRS because they messed up all their COVID stuff. So when they sent out COVID payments or whatever, and then it's all goofy, even though you use TurboTax, whatever, you get an IRS, oh, your taxes are off by $743 because of the COVID checks that were sent out, blah, blah, blah, blah. And I didn't get a free check from anybody.

I didn't win a forehead contest, blah, blah, blah. So the Game of Life is funny, and it's like a really bad shadow. It's got some concepts of life. But it's not real. That's right.

It's not real. And then they have this. So I'm holding my iPhone up. So they see, they're on Instagram, they're on Snapchat, they're on Twitter.

They see all these things that says, this is, oh, it's right here at the tip of your fingers. This is how your life should look. So you go pay for it. You think you can, but you can't.

It's way worse for them than it ever was for us. It is. And just telling them that, you know, my son did not believe me. And he loves me.

And he thinks I'm great. But he just felt like, I don't know. I don't know why she's struggling with money.

I know I'm not going to. And trying to help them see, hey, if making money were this easy, wouldn't we all be doing it? Like, there's got to be something to this thing. But with all that realism stuff, Charla. What it is.

That's a great point. We're talking to Charla McKinley, Beyond Personal Finance. is the website. I put the links up on Facebook Live.

And so I'll share it on my regular Facebook page as well. But again, middle school, high school, I would say college is not too late for this. Yeah, it's not too late. You know, the overarching theme of the whole class is the quality of your life depends on the quality of your choices. And, you know, so often, once they're in high school, you know, they've already had perhaps chosen a college that has led to some student loan debt. They might have chosen a, you know, for me, I got to the University of Texas. And I figured out pretty early on, I didn't like finance. But because of the way that it was, I could not change my major. Yeah. You were stuck.

Yeah, I was stuck. And so if they're in a bad major, you know, that they just kind of keep going through, which leads to a career that they're underpaid. And, you know, so I really love to get them early, while they still have these choices ahead of them. And they can still see, you know, I had one kid who really wanted to go to a private school, because she had a babysitter, who was in the dance program at that school. And she thought, wow, I want to do that just like Becky, right. And, you know, when I showed her so in in the class, that came with student loans, because I had her go home and ask her parents how much they were going to pay at this private school. So this girl wanted to be a writer, she took a writer's salary, and had a big student loan and figured out on her own pretty quick, she could not go. Yeah.

So turns out, the University of North Carolina here in this area has an amazing writing program, and it's in-state. So when she went back and plugged it in there and realized, oh, I could just go to this in-state school and not this private school and look how much. Now, writers don't get paid a lot. Right. But she wasn't in debt. And so her dad came in and said, gosh, my wife paid for this program.

I don't know how much it was, but you just saved me tens of thousands of dollars. Right. That's exactly what I was saying. We have so many students, young people today going off to college to pursue something that's not logical, not based in reality.

It's emotional, it looks good, it's shiny, blingy, whatever, and sometimes not even that. But nobody's having the conversation what this is going to be like down the road. And we have way too many of us as parents that are way too permissive, and we're lawnmower parents, we're helicopter parents, and hey, let's just get them through. Once you get a college education, then everything's going to be fine. No, it isn't. A lot of those college grads serve me a coffee when I walk through a coffee shop. That's right. Not all colleges are equal. Right. Not all careers are equal. But to be having that conversation, to look at the ramifications of what you think you want to do in real life in eighth grade or ninth grade or 10th grade, again, that saves huge money.

Huge. And colleges don't want you to take this class. Of course not. Because they just want to rob you of all your money. They don't care what kind of degree your kid gets.

Correct. They have an art history department that has to get paid. And so they're going to get paid on the backs of the students that come in for art history.

And it's just super painful. And we think that if our kids are managing their allowance properly, that they will be fine in their 20s. And it's just not true. You can't go from getting $20 a week to a $60,000 job.

You'll think you've hit the lottery and you will spend like that. And with students in my class, particularly in the government class, how many of you have a job? Hands will go up. And it's a homeschool group. I'm sure you're going to see this in your class. Somebody is invariably working at Chick-fil-A. And I'm like, do you ever notice that there's a difference between what you think you're being paid and what you put in the bank? That's right. And they're like, yeah, what's up with that? Yeah.

Okay, let's talk about that. And then when you factor that into budget and go, hey, congratulations. You make 60 grand. Wow, it's $5,000 a month. How much do you put in the bank? It ain't $5,000. No, sir.

It's more like $3,900. What? Well, yeah, that's reality. We're loving them well by teaching them now. We're talking to Charla McKinley, Beyond Personal Finance,

Welcome back. It's Steve Noble, The Steve Noble Show. Such an important topic today. What a great opportunity for all parents and grandparents out there. We're talking to Charla McKinley, who's the founder of Beyond Personal Finance, She designed this as somebody that got a degree in finance and retired CPA to go through with her own son when he was in seventh grade. It's kind of a combination of the game of life meets Dave Ramsey.

Dave Ramsey is just too advanced and too kind of quote unquote adult for our kids. And it doesn't really give them a way to simulate real life. That's the whole point as you go through Beyond Personal Finance. So just check this out. This is the contents. Then we're going to talk about the different classes and the cost because if I were to ask you guys to guess the cost, you're going to be high.

So it's crazy. But anyway, we'll get to that. Colleges and careers.

This is unit one. Colleges and careers. Okay, starting off early. Budgeting, car purchase, apartment rental. Okay, now you're getting into real life. Unit two, marriage and interest, babies and payroll, house purchase, insurance, single income.

And then you look at that again. Then charitable giving, investments, business basics, layoffs, and reconciliations. What happens if you lose your job? Do you have three months or six months available? Income tax, divorce dangers, and retirement ultimately.

And then you simulate and you go through that basically from age 22 to 42. And what an incredible opportunity. I've got the links up.

But if you just go to, Beyond Personal Finance,, you can find out for yourself. And Charla, again, thanks for coming in today. It's great having you here. Yes. Well, thank you so much. I love this class. I see the impact that it's having.

So I'm so thrilled to be able to share it. Yeah. And that's the whole point of you being here and sharing this on Facebook, wherever, getting it for yourself.

But let's talk about the actual product. And so there's because there's multiple ways that you've mentioned. It can be self-paced. The students, seventh grade through 12th grade, whatever, can go through it themselves. But there's also a couple other opportunities. You can do it as a group. You can host a group yourself.

Yes, that's right. So, you know, one of the most powerful ways to do this class is with a friend or a sibling or multiple of those because every journey, it's like choose your own adventure when, you know, those books that I loved when I was growing up, you know. You kind of pick the direction of the story.

Exactly. And so they're going to pick their direction and they're going to have 20 budgets that will all lead in different directions. I've got random things that happen to them like their HVAC breaks, their baby poops on the couch, you know, like little stuff. And it's random for each person. And then they also, it's random, decide after they get married, they spin a wheel. And if they land on a baby, then they have a baby.

But unlike the game of life where you just stick an extra peg in the car, if you have a baby, then you've got to add an additional $12,000 in expenses into your budget. Wow. And, you know, that's an eye-opener.

What? It's like, yeah, that's right. And it's so funny because as I'm teaching this live, I get to hear the questions and one girl raises her hand and she's like, yeah, how much of this is saving for college? And I just went, oh, oh, sweetie, no, none of this is saving for college. This is just, this is just, you know, for them to just be living with you.

So your baby can go from one to two. That's right. And she's like, so not only do I have to do, I also have to save for their college? And I'm like, yeah, that's right. And then, you know, they all, well, I'm not, I'm not giving any more money to my kids.

And I'm like, well, that's interesting because you all told me that your parents were going to pay for your college and now you're not going to pay for your kids' college? You know, it's, but again, all of these decisions, because they're making them themselves, they get to see and hold themselves accountable. And it's really eyeopening.

They get to see their own heart and the decisions that they're making. Right, right. Yeah. It's reality.

That's the, that's why it's effective because you put them in the driver's seat, get them in the car and let them drive around. Except in this case, the tree they hit is not going to be a real tree. That's right. But it's shaped like a real tree.

It's fashioned like a real tree. And then you see the damage that's caused when you make bad decisions. That's right. It's the only way to learn this stuff. It's the only way to learn.

It's just to see it. And them, you know, with their allowance and, you know, they don't have any expenses. You know, it's pretty easy to spend. Right. Sure.

Pretty easy to spend and save with 20 bucks a week. Sure. I want to give people a taste. You sent me a link for a video. What's this video?

We're just going to watch a little bit of it, but what's the video that you sent me? So this is where I am teaching about lesson 17. They're deep into the class now. And this is where I'm teaching them about taxes.

Oh boy. Yeah. They've been paying taxes all along because of course every budget's going to include taxes. But now I'm just showing them how to calculate the taxes so that they really get a feel.

I'm not trying to make them CPAs, but if you're not mindful of how this thing works, then, you know, you're really, you're going to get overwhelmed. Yeah. You're going to be in trouble. You're going to be in trouble. You got it ready to go, Josh? All right. Go ahead.

All right. So this is from Beyond Personal Finance. Before we can actually start doing some calculations, I wanted to take a moment to talk about the most common type of expenses a taxpayer can deduct. By allowing us to deduct these expenses from our taxes, the government hopes that we will take advantage of the tax break and spend our money on these items. Why? So that they don't have to.

Here's what I mean. The government does not want to have to bear the burden of a bunch of old homeless people. Therefore, they give you a tax break to encourage you to save for your retirement. Also, the government knows that homeowners are more invested in their community than renters are since they own a piece of the city.

Therefore, you will get a tax break for any interest you pay on your mortgage. The government is also aware of the tax money you paid to the state for things like... People wonder why do you get a deduction for interest? Because there's things that the government's trying to incentivize. They changed the tax code when it came to marriage because marriage is good for society. They're not getting down all the other roads there, but there's a reason behind all these decisions that the governments make, and you don't understand the taxes.

But again, this is less than 17. They're pretty far down the real road here. They really are. And they've been putting aside money to pay for their taxes all along, and now I'm trying to show them a little bit later on in the video, I show them, hey, where does all that money go? Where does that money go?

That's a great question, Charla. Absolutely. And it begs the question, again, it helps them become better citizens because now that they've seen a piece of their paycheck disappear every single lesson, now they understand why it matters politically, why it matters in the values and the things that we talk about. The same thing, too. They're going to understand inflation a lot better because it's like, hey, now what happens if your paycheck stays the same but all those expenses increase by 7%?

Oh, yeah. We talked about that in the spring semester in my classes when gas prices were skyrocketing. And I said, how many of you are noticing that?

And is it changing your lifestyle? And some of them are like, yeah, I can't do the job I was doing because I have to drive so much. I can't afford the gas.

I don't make enough. Okay, now they're in the real world, which is the whole point. What about the cost in actual classes? So there's a couple of different options here in terms of how you go through it.

Yeah. So in general, the first student and teacher, it comes with two portals because the teacher obviously is going to have a teacher slash parent, is going to have a little bit more information. So for example, when they get married, I put the spouse's salary and spouse's expenses in the teacher portal because I don't want the students to cheat and pick. So those two portals, when you first buy those, it's $150. So that's for one student. And then if you add siblings or friends on, it's an additional $50. Yeah.

So you can have four kids and it's 250 bucks. Right. And it's a semester. So for those that are homeschools.

Very gracious of you. Well, you know, I just want these folks to get this information. So it's a semester credit in personal finance or consumer math or whatever. If you are homeschooling high school and you want to do it for a credit, you can certainly do that.

But just if not, it's just a lot of fun. I've got families who the parents will also do a budget. Yeah. You know, and they'll play along because, you know, one of the things, there's another leader in personal finance for teenagers, David Burkett. I'm sorry, Larry Burkett.

Larry Burkett. And he suggested that you show your teenagers to get a feel for real adult dollars, show them your own budget. Right. But none of us really want to do that. I mean. Most people aren't comfortable with that. Yeah. I mean, your judgy teenager showing them your budget.

No way, Larry. So this is a way to, for them to see adult dollars, see how it works. Parents can do the budget as well. And yeah, I'm trying to make it affordable. So it's $150 to get going and then $50 for every extra student you throw in there. So if you have two, three or four or five, you're still not talking.

You're not talking much money at all. You really are. And this is life-altering information and wisdom. Correct. So the return on this investment is astronomical.

It is huge. Yes. And the challenge here is, and we got about two minutes left. What's the most frustrating thing is just to get people to think like we need to use it. We have to get a tool.

We have to use a tool. Right. Like what's the hard part here about becoming a buyer?

It doesn't seem like there should be one at all. I know. Except that parents think that they have raised their kids, you know, oh, my kids see us be wise with money. And most parents that come to buy my program, now word of mouth is spreading, so it's a little bit easier. But in the beginning, it was always parents, and they had the second kid. And they said we blew it with our first kid because we thought they knew. We thought they understood. We talked to them about it. Our lives, we were good stewards. And they just, it didn't work. It didn't work. And so they come back for kid number two, and it's easy to get them to buy the program because they know they got to do something. Yeah, they got to do something.

We see the wreckage all around us, and I would say to not prepare our kids in this is decidedly unloving and decidedly bad stewardship of our parenting responsibilities as Christian parents. This is a no-brainer across the board. Beyond personal finance, is the website. Middle school, high school, college, too. Do it with your student, your son, your daughter, their friends. You can do it in a small group, self-paced.

Write $150 to start plus $50 for each extra student. It's really an amazing deal and an amazing blessing to everybody that does it. Charla McKinley, thank you so much for coming in and helping us understand this. Thank you so much for having me. I appreciate it.

You're welcome. Share this information on Facebook and the podcast and everything. We need to help the people around us. This is Steve Noble on The Steve Noble Show. God willing, I'll talk to you again real soon. And like my dad always used to say, ever forward. Another program powered by the Truth Network.
Whisper: medium.en / 2023-03-09 12:11:53 / 2023-03-09 12:27:27 / 16

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