Rachel Cruze

I think saving is really big.

I mean, they're getting, I mean, they'll be 16 here, you know, before you know it.

And so I'm like, I don't know if there's a really big purchase that they can be working towards like a car.

And I don't know if they save for half, you match half.

I don't know what that looks like, but that could be a really good tangible goal.

And for some 12-year-olds, it probably feels far away, but yours sound like...

they're pretty in line with looking at big numbers, right?

Which would be like a bigger purchase, like a car.

And then letting them enjoy some of it.

And then letting, you know, having a percentage that they enjoy some of it.

I mean, they are 12, you know, and they're making great money.

So if there's something fun they want to buy, then that's great too, right?

So I think not being legalistic about it, but I think the three rhythms of that give, save, spend, I think is going to be really big.

And that's more the tactical side of money, but there's also...

the emotional side of that contentment and that, you know what I mean?

Like there's the emotional side of money.

But for now, that's probably where I would steer you from a tactical side.

Yeah, because for a lot of investing, it is for a long-term, it's a long-term mindset.

Like, you know, especially retirement investing, you're going to touch it until you're 59, right?

And a 12-year-old doesn't need to be thinking about that.