And I was like, It really made me a little bit, it kind of irked me that they were doing that.

Yeah, I actually have a really good story about that.

So I went to, I was born in New York.

I went away to college when I was 18 to University of Arizona in Tucson.

And same thing, exactly what you're saying all over the campus.

It was sign up for this credit card.

And back then it was a free t-shirt.

You can show the books to the camera where people can see them and all that.

Okay, what made you decide to start, what is it, the Money Master, the Money Mindset Academy, and how long did you start that?

So Money Mindset Academy came out of a couple of books that I wrote.

Okay.

So in 2024, I wrote the first book, Teen Money Mindset.

And I wrote that because I always wanted to write a book, but I did not want to write a book about real estate investing.

I felt like that was too kind of dead on.

And I know there was a lot of money, or excuse me, and a lot of books in that niche from other investors who are more experienced.

But do you cover anything about that in the book as well?

So if you're talking about teens, what made you gravitate towards the teens? Was it like, you know, something you wish you had or is this something that people keep asking you about? What's the deal with that?

Yeah, so the way Teen Money Mindset kind of came about, it was actually, I was very fortunate to grow up in a household where we did talk about money and these kind of things.

You know, again, going back to my father saying, if you want a car, great, go find a job, which, you know, we did and that was normal.

But I realized after I was dating a woman, not my wife, so I want to clarify that, but somebody in my past, and she grew up where her parents were not talking about these things and everything was kind of hush hush.

You know, which is fine.

There's no right or wrong necessarily.

But when I met her parents, I realized, oh, this is the reason why she doesn't really have that financial education behind her, maybe that financial drive.

What are those conversations that you wish could kick off today that could kind of help out the future?

know, yes, we have been talking about this from the beginning of this conversation, but I still want to ask you, so why is it important to start teaching children about money very early.

Yeah, it's very important like we're talking about.

It just normalizes the ability to have those conversations with your children.

And again, if you grow up in a household, say you're a parent and you want your children to be open to having conversations about money.

And it's not about the numbers in the bank account and all those things that we're talking about.

That's a small part of it.

But, you know, money is modeled before it's really taught.

So what have those experiences taught you about the relationship between financial ambition and personal well-being

Yeah.

And you're also teaching them what opportunity cost is.

Now, you're not going to explain it to them.

They're not going to understand that term.

But in their mind, they're going to think, well, I can't have both of them.

Which one is more of a priority? Which one do I want right now? And which one am I willing to give up? That's opportunity cost, right? Yeah.

So that's something you can do literally 30 seconds when you're in line at a grocery store.

What are some of the most important financial lessons you believe teenagers should understand before they leave home and begin making decisions independently?

But you know, how do they get started with something like this?

Yeah, that's a great question.

So I wrote the first book, Teen Money Mindset.

And like I said, it's more about the what.

So it's more the meat and potatoes of what teenagers should know by the time they're teenagers, especially by the time they're graduating high school.

And the response I got from that book was, you know, it was a really great response.

So the I have a really good story.

Do you have any examples?

okay thank you beautiful now uh how can a parent who has not considered themselves financially not financially uh knowledgeable still teach their children good money habits

Yeah, that's a great question.

And I think that happens more than people think.

Parents, adults, I think children look to them and they always think that they have the answer.

They always do things correctly.

They don't make mistakes.

As adults, we can obviously say that is 100% not true.

So now let's talk about how can parents teach children to enjoy spending money while developing the discipline to save and plan for the future.