08/12/2026
Do we ever stop caring about the success of our children?
Each stage is different, but the goal is always the same. Give them enough to do something, and not so much that they do nothing. How do we build the right habits for success?
🏖️ Childhood (Short-Term):
Funding experiences like travel, insurance protection, activities, and enrichment while balancing spending with long-term savings.
🚗 Teenage Years:
Covering growing needs such as vehicles, and activities, with a focus on shared responsibility and early financial accountability.
🎓 Launching:
Planning for post-secondary education or alternative paths, while setting expectations around cost-sharing and student ownership.
🏠 Early Adulthood:
Selective support for milestones like housing, weddings, or business ventures, rather than ongoing assistance.
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The aim is not to remove challenges, but to build resilience and responsibility.
This requires judgment on when and how much to support.
It also involves integrating cash flow, investments, taxes, insurance, education funding, gifting, estate planning, and critically retirement planning.
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“How can we use our resources to help our children become financially independent of us?”
Multi-generational planning.
