Dr. John Deloney

Well, so my wife and I, future Baby Step Millionaires, started on these about a couple months ago. And we also had our first daughter about five months ago.

Thank you so much. Thanks be to God. It was waiting quite a while. Oh, that's great. So my question is, I kind of came to a revelation in the discussion with my sister the other day about how all of us siblings are kind of not very good with money, haven't been historically just disciplined with money. And it's weird because we both had very frugal TPA, CFO parents.

Thank you so much. Thanks be to God. It was waiting quite a while. Oh, that's great. So my question is, I kind of came to a revelation in the discussion with my sister the other day about how all of us siblings are kind of not very good with money, haven't been historically just disciplined with money. And it's weird because we both had very frugal TPA, CFO parents.

Thank you so much. Thanks be to God. It was waiting quite a while. Oh, that's great. So my question is, I kind of came to a revelation in the discussion with my sister the other day about how all of us siblings are kind of not very good with money, haven't been historically just disciplined with money. And it's weird because we both had very frugal TPA, CFO parents.

And so it kind of tells me that just being good with money isn't enough to kind of impart that. I love my parents. I'm not blaming them for everything. But just something about our childhood, we just didn't get that knowledge kind of instilled enough in that discipline, in that prudence with money. And I'm just kind of wondering, I kind of want to break the cycle.

And so it kind of tells me that just being good with money isn't enough to kind of impart that. I love my parents. I'm not blaming them for everything. But just something about our childhood, we just didn't get that knowledge kind of instilled enough in that discipline, in that prudence with money. And I'm just kind of wondering, I kind of want to break the cycle.

And so it kind of tells me that just being good with money isn't enough to kind of impart that. I love my parents. I'm not blaming them for everything. But just something about our childhood, we just didn't get that knowledge kind of instilled enough in that discipline, in that prudence with money. And I'm just kind of wondering, I kind of want to break the cycle.

And what's the best way when my daughter becomes of age, like how to kind of teach her that without being too strict?

And what's the best way when my daughter becomes of age, like how to kind of teach her that without being too strict?

And what's the best way when my daughter becomes of age, like how to kind of teach her that without being too strict?

Yeah, they were frugal. We weren't spoiled. We just never really – Suffered, I guess we were very comfortable, very comfortable childhood. And they were already, if we asked them about something, and especially this is true later in life, asking for financial advice, they're really open about it.

Yeah, they were frugal. We weren't spoiled. We just never really – Suffered, I guess we were very comfortable, very comfortable childhood. And they were already, if we asked them about something, and especially this is true later in life, asking for financial advice, they're really open about it.

Yeah, they were frugal. We weren't spoiled. We just never really – Suffered, I guess we were very comfortable, very comfortable childhood. And they were already, if we asked them about something, and especially this is true later in life, asking for financial advice, they're really open about it.

But there was never a really concerted effort to like teach us at like at the time when we were most, I guess. A little spongy.

But there was never a really concerted effort to like teach us at like at the time when we were most, I guess. A little spongy.

But there was never a really concerted effort to like teach us at like at the time when we were most, I guess. A little spongy.

Yeah, but they weren't like that either. I think it was a communication issue. Like, they didn't seem to be frugal. Like, we... I mean, they were smart with money. They seemed to handle money really well, and they weren't hoarding anything. We asked them for something like they paid for college. But we just, I guess there was just never a lack of communication about money.

Yeah, but they weren't like that either. I think it was a communication issue. Like, they didn't seem to be frugal. Like, we... I mean, they were smart with money. They seemed to handle money really well, and they weren't hoarding anything. We asked them for something like they paid for college. But we just, I guess there was just never a lack of communication about money.

Yeah, but they weren't like that either. I think it was a communication issue. Like, they didn't seem to be frugal. Like, we... I mean, they were smart with money. They seemed to handle money really well, and they weren't hoarding anything. We asked them for something like they paid for college. But we just, I guess there was just never a lack of communication about money.

I would say, I guess, yeah, I mean, maybe the budget. I don't know. It's, it's kind of, it's kind of a little bit of everything, but, uh, I guess, yeah, the dangers of debt is huge, but, um, kind of just, I guess being disciplined, like, yeah, just being willing your money to go somewhere.