How do you raise kids who are confident with money—even if you didn’t grow up that way? In this Mama Mentors episode, host Mama B talks with Rebecca, a financial planner, mom of seven, and founder of Blue Skye Financial, about practical, age‑appropriate ways to help kids build real money skills from early chores to first paychecks.

Rebecca shares her powerful backstory—from losing her family’s farm to launching a firm focused on families and women—and the exact habits she used at home:

• Early years: the envelope method (spend/save/“moochers” for taxes) and why natural consequences matter
• Elementary to teens: earning through extra chores, budgeting for wants (phones, cars), and learning that “when it’s gone, it’s gone”
• Giving: encouraging generous, person‑to‑person helping
• Debt and credit: using tools wisely (not fearfully), building credit early, and avoiding all‑or‑nothing dogma
• Investing basics: stock games, the Cashflow game, and making compounding real
• Emergency funds vs. momentum: “envelopes 2.0” that save, invest, and build opportunity at the same time
• Today’s housing reality: creative paths (like sibling crowdfunding) and right‑sizing expectations without shame
• Modeling at home: letting kids see decision‑making (trade‑offs like where to eat) without adult anxiety

You’ll walk away with scripts, systems, and mindset shifts to help your kids become independent, generous, and savvy—so they have what Rebecca calls the real goal: options.

Cashflow board game

USDebtClock.org.

[email protected]

www.blueskyefinancial.com

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