Feb. 5, 2025
"We Are the Hansons: Teaching Kids About Money – The Good, The Bad & The Crazy!"
In this episode of We Are the Hansons, I bring my husband along to dive into the wild world of teaching kids about money! From the good to the bad—and even the crazy—we’re sharing our journey of raising financially responsible, happy, and independent children. Tune in as we discuss practical tips, real-life experiences, and how we’ve helped our kids chase their dreams while understanding the value of a dollar. Whether you’re just starting or looking for fresh ideas, this episode is packed with insights and laughter!
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Welcome to We are the Hansens. Today, we are diving
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into a topic that influences nearly every aspect of our lives. Money,
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more specifically, the role of family in shaping our attitudes
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towards money, from the way we save and spend, how
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we handle financial stress. Our family plays a huge role
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in shaping our beliefs about money, whether it's lessons passed
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down from our parents, experiences from childhood, or the financial
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habits we're now instilling in our own kids. Money is
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more than just dollars and cents. It's about values, priorities,
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and even emotions. As a big family, who've had to
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be intentional about how we approach money, teaching our kids
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financial responsibility while balancing wants, needs, and unexpected spenses. In
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this episode, we will share our upbringing influenced our own
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financial mindset, the money lessons we want our kids to learn,
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and how we navigate finances as a family. So grab
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a cup of coffee and join us as we talk
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about money, family and the lessons that last a lifetime.
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Let's get started.
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Well, let's get started. I'm the husband. She's letting me
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come in on this one today. How are you good? Well?
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I say, we do it my way and we change
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things up a little bit. Oh yeah, we're talking about
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kids and money.
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What are you laughing at I'm laughing at you.
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Boy, it's got to be fun. It's we're talking about money.
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Money are crazy making money. We're talking about the money.
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We're talking about saving money.
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Well, you don't have a problem sending it.
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No, you're the one that doesn't have a problem. So
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you can literally go ask our children, and that's how
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Dad's the saver.
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No, not even clothes.
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No, today we got to do a little bit something
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more fun, if you know what I'm saying. Once in
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a while, and money is one of those things that
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you can teach your kids. You can have a bunch
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of fun doing it, but there's always the hard lessons
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you got to learn, Like, uh, how about this. Do
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you think that just because your kid does chores that
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they should get money for every kind of choice they do.
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No, doesn't teach them anything.
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Well exactly, but then there's some things that they do
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make money on. Yes, Okay, so it's a delicate balance.
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Out of all of our kids, out of all thirteen,
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who do you think is the best with money?
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Probably Tristan Yeah, Tristan is very good.
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Adam is also very good. Colin is also very good.
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As a matter of fact, we don't have any kids
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that are just bad with money, except for the.
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Little ones are pretty bad with money.
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Yeah, maybe are very very little ones. But you know,
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where's the responsibility in money under eight years old?
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Yeah?
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You know, I work for that. I want that doll.
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I'm gonna get it bad, right, that's the truth. Well
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let's get this going. Okay, that's enough of that, but hey,
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sometimes you gotta have a little bit of fun, right, Yeah,
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you know, I think when it comes to kids, number
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one thing, number one thing is you got to teach
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them money is not the love of money. Like you,
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you don't want money to have money because money is
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completely worthless unless you use it as a tool.
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Right, Yeah, you.
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Don't give them an example of having money but nothing
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to spend it on.
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I would have to say, well, there's always stuff to
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spend it on. It's just once first needs.
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And that is my wife showing her true colors about
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saving money. You see, if you ask me, there's not
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always something to spend it on.
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Wait, I'd rather save money and go on a vacation
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with the family than just go out and buy stuff
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that I don't need.
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Well, I agree with that, but you know, we're talking
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about kids. I taught my kids a long time ago
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because I used to be the guy that would go
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out and I wanted tools. So I wouldn't save up
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to get the tools that I wanted I'd get. I'd
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save up enough to get a tool that was kind
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of like I wanted, but I could get it quicker,
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like instant gratification.
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Yeah, Like a lot of times he would just get
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something that he wanted.
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Not exactly what I wanted, Like I would settle for
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a Harbord freight tool versus in Milwaukee.
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Yeah, but they're still as good, I would say, And.
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See, I would say they're not. But you know, that's
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the good thing about being being right and the good
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thing about you being wrong.
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Now, I like, I like to buy where we might
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save a little money, and he likes to buy the
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expensive stuff.
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I wouldn't say expensive, I would say value. There's a
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value proposition there. And I try to teach the boys this.
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Excuse me, when you're buying certain items, it's like you
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should just buy the good one, buy it once and
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be done with it instead of buying things multiple times,
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you know, And I've showed the shown the kids that
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multiple times when it comes to tools or things like that.
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And then like the girls like, how many dolls if
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you're not careful, how many dolls can your child end
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up with? After three years? Wow? We have a lot, exactly, So,
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but how many dolls do they actually play with?
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Probably five or six?
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Right, that's it, that they have five or six and
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the rest just sit in the toy box and look
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unhappy because they're not being played with.
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That's true.
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That's true. So you got to teach your kids that
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money is a tool, and you really should before wasting money.
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You really should know what you want and then it's
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very simple, work really hard and just go get it.
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Yes, we've always from the time our kids were able
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to know, you know, how money, like how to save
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and how to spend, they've known how to do that,
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and we've always instilled like you got to save. If
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you want this, or if you need something for your vehicle,
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you better have the money to spend it on.
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Right. And I think it comes from, you know, from
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our parents. I think that's a lot of it is
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learn behavior. I think you can nickel dime yourself. Like
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if you stop at the gas station. Every time you
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go in the gas station, you're buying this, or you're
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buying that, or you know, like two three sodas, you
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can literally go through, you know, three four hundred bucks
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a month just stopping at the gas station and buy
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an extra crap every month.
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I would have to agree. I mean, growing up my family,
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my mom and dad worked twenty four to seven and
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we were always broke. So I've learned that save as
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much as you can because you never know when something's
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gonna happen and you're gonna need that money.
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Right, So I think there's some foundational principles like know
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what you want, don't buy garbage, and never ever go
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spend money on instant gratification, you know, like instead of
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saving today, I'm gonna buy that candy bar because I
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want that instant gratification today.
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Yeah, our kids are very good about not spending like that, right, you.
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Know, all the kids I taught that you needed to
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have a well it's not what I called it, but
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an emergency fund.
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Yeah, it's the oh shit fund.
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Yes, the oh shit fund. That's what I always told
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the kids, especially as they get older in their teenage years,
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you're going to have problems. At some point, you're going to.
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Have problems, Yes, And it's almost like our kids have
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seen what we struggled with, so they've learned that. You know,
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mom and dad struggled and they saved and they got
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what they needed. And I see them doing the same thing.
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Yeah, so do I. I mean, it's just it's one
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of those things like sometimes you're going to go through
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Murphy's Law. You can be the hardest worker, you can
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do all the right things, but at some point something
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is going to go wrong. So you have to have
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a fund. You have to save for that fund. I've
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truly always believed in ten percent of everything you earn,
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you just put away another ten percent of that goes
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into the oh shit fund, and you never touched the
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first ten percent. You act like it's not even there.
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So you have a saving so as you get older,
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you're not depending on anybody, including Social Security, to have
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a retirement that just gets put away invested. It can
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come in handy later if you want to reinvest it
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into like a business you have or something like that.
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But I think you've got to set the base, like Okay,
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for every dollar you make, ten cents of it goes here,
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ten cents of it goes there. The other eighty cents
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you do with what you want.
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Yeah, it's like I've done a podcast on this in
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the past, but every time our family takes a trip,
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something always happens. A car breaks down, we get a
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broken windshield, we hit something. It always happens. And you
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always have that money if you need it.
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Right and then you know, I think something that I've
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always told my kids is if you borrow money, if
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you borrow money to somebody, especially if it's family.
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What's my rule, Maya, don't ever expect it back.
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It is in gift. Yeah, pretend it's a gift. If
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they happen to give it back to you, well hallelujah.
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But if they don't, you gave it as a gift
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because you were in the financial position to give it.
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And I try to tell my kids, you know, it's
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good to have empathy, but it's bad to put yourself
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in a bad position. So if you can help other
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people and you want to help other people, help them,
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but do not expect anything back, because that is a
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fast way to ruin relationships, especially with money, because money
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is a weird thing. Money changes people. If they have
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very little money, it changes people. If they have a
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whole bunch of money, it changes people. It's usually the
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middle of the road people that stay the same.
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Yes, And I would consider ourselves middle of the road.
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Yeah, absolutely, And that's kind of where I want to stay.
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I mean, we've been way up there, and we've been
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way way down there, and right in the middle it
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kind of seems like the happy spot.
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I don't want all these like fancy cars and all that.
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I'd rather have an older car and have it bought
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out right and not have that payment than to go
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out and buy an eighty thousand dollars vehicle that it's
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not going to be worth eighty thousand dollars by the
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time you're driving it for a couple of years.
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Well, I've got a saying that I live by. It's
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in a friend of mine that passed away. I used
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to say it all the time. It was one of
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his tenants of life, and it was just because you
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can doesn't mean you should. And you know that really
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really shines through when it comes to money. Just because
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you can go buy a new car, you make enough
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money and you can skim by. It really doesn't mean
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that you should. And I try to teach our children that,
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all of them, they're all pretty good with that. But
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sometimes that's one of those life lessons. For example, my
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daughter wanted a Nissan, really nice, newer Nissan, and I
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was like, honey, that is an expensive payment. Well it's
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only four hundred and thirty dollars dad, you remember that, yep.
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And I was like, honey, you make enough to do it. Financially,
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you can do it. But there's a there's a difference
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from being able to can do it to you start
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not wanting to do it. And where's she at today.
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Well, she's in a position where she's made three payments ahead. Well,
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when she switched jobs and started college again, she fell
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down to one payment ahead, and she panics at that point,
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so she starts, well, it's not.
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Just that, it's the new wears off. So you get
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this buyer's remorse, like, man, I got to pay four
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hundred and thirty dollars a month again, and you know
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we've we've done the thing where you split up the payments.
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So more goes on principle, and she's paid ahead, but
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now she's really learned the value lesson and you know,
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next time, I'm probably going to get a car that
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fits my needs more than this thing that I just
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wanted to have that. Don't get me wrong. She can
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make the payments. She's still making the payment, she's still
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doing all of that. But it's a it's a mind
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thing about what you want in the moment versus what
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you want you know later on. And here we are,
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you know what, two and a half years. Two and
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a half years. She's got the same payment, but the
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wants that she has now we're different than the wants
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that she had two and a half years ago. So
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it's just you know, as you go build it up
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