Rachel Cruze

It's when people get to the extremes that it becomes difficult, right?

They spend everything they make.

And they're broke or they save everything and they become hoarders and they're not fun, enjoyable people to be around because they're just obsessed with, you know, keeping money like it.

They're not generous people in that way.

So I think the...

Teaching them and letting them experience all three is going to be big.

And so, I mean, we take kind of the old school approach, which is what we tell adults to do, is give some of your money.

Have a 10%.

Like, hey, whatever you make, 10% of it needs to go somewhere.

And that can be at a local church if you're there.

It could be at something that they're passionate about, some type of nonprofit.

Whatever it looks like.

But I think, you know, cultivating the spirit of one of the first things we do is we're givers, like we give.

And there's something in that habit that I think is so beautiful.

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...