Teaching Kids about Investments
October 9, 2019
In This Issue:
God's Investment in Us

Hey Mama,

What do you think about God’s provision? When comparing it to the way you and your husband provide for your own children, does it measure up?

It is very easy to fall into the trap of thinking, “Where is God? Why won’t He provide?” When in actuality, you may be asking for what you already have. He gives us enough.

It’s easy to fall into envy and wishing we could have more days off for travel, nicer furniture, or a better car. You may have a friend or family member who gets to go out to eat all the time, but that’s not in your budget. Or you may have a pile of bills that are running late, or the rent is due and you are short. God will provide. He always does.

I know I have fallen into the trap of spoiling my children sometimes, giving them far more than they truly need. During holidays or their birthdays, we go overboard at times. Or their extended family members and friends pour on the gifts. We grow to think that’s normal, and it becomes the expectation. Not only do our children start wanting more and more, but we too amplify our views on what we should have as the norm.

God doesn’t work that way, and He wants us to invest our money and our time like He does . . . and to teach our children to do the same. Enjoy these articles from The Old Schoolhouse® Magazine to help you and your children invest wisely.

And remember, Mama. . .

For the Christian, this life is full of trials. It’s a testing ground, a training period. What we do here and now determines what we’ll be doing after this life is up, during eternity. When we struggle or endure difficulties, we are able to see our own responses and can judge (and improve) our character. A hardship allows us to cling more tightly to Christ, to recognize that He is the only Way and our hope.

For the Christian, this life is also full of happiness and God’s generosity. He gives far more than we ever could! Think about how He has blessed you over the last month and year. Look at your past, since you have come to Christ. Have you not been well taken care of? He is so faithful.

Take great joy in your salvation. Keep the perspective that this life is but a blink, and your children are watching you. When they are grown and facing their own trials and wants, will they remember fondly how their Mama handled her own? With grace, great faith, patience, and full of joy, their Mama lived out her faith. She knew where her hope was: in her Father, Who never failed her. She was greatly cherished. He was her Provider. The Giver.

My grace is sufficient for thee: for my strength is made perfect in weakness. Most gladly therefore will I rather glory in my infirmities, that the power of Christ may rest upon me” – 2 Corinthians 12:9.

- gena
Encourage your teenager to start a micro business this fall. They will learn life skills, be responsible, and earn money.
Lessons Learned Early Really Last

Years ago, our church hosted Dave Ramsey’s Financial Peace University. We wanted to attend, but there was no childcare available, and we didn’t have anyone available to watch our children. We decided to bring the kids, sit in the back, and bring things to entertain them. We figured the teens would read their books and the little ones would play, but surely no one would pay attention. 

Boy, were we wrong! All of our kids were fascinated. Money and investments became a common topic of discussion in our home. In fact, one of our boys, just ten at the time, is now a student analyst in his college’s investment fund, helping invest part of their college’s endowment. Those lessons learned early really last!

We’ve made a real effort to teach our kids about finance and not just during that class. It’s been a blessing to our kids as they reached adulthood. The two most important things we did, you can do, too!

Talk about the family budget. Be honest with your kids about your struggles and your victories. It can make them more understanding when you say no to a new purchase, but it also serves as a good example as they set out for life on their own.

It’s a huge help to young adults to understand things like payroll taxes, car insurance, and cell phone bills. It’s even helpful if they know you’ve made financial mistakes and watched you working hard to pay them off. Maybe seeing your difficulties will inspire them to stay out of debt when they’re making their own decisions.

Explain the financial side of life. Because they are homeschooled and with us so much, our kids can grow up with a much better understanding of adult life than their peers. You can leverage that by being intentional in teaching them personal finance. Checking on your 401k? Call the kids over and explain why you’ve invested in a retirement account and how it works. Granddad gloating over gains in his stock portfolio? Ask him to explain his wins to the children. Paying your property taxes? Explain them to your children.

Doing those things will require more transparency than most of us grew up with. There are a lot of benefits, though. We want to prepare our kids for adulthood, and this is something they need. That’s enough for us!

Your friends, 
Hal & Melanie

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Diane Heeney
Investments Beyond Wall Street

What do you think of when you hear the word “investment”? Stocks, bonds, and real estate? The cacophony on the trading floor of the New York Stock Exchange? 

An investment is defined as “an act of devoting time, effort, or energy to a particular undertaking with the expectation of a worthwhile result.” 

Finances are definitely a part of this. We are exhorted in Scripture to be good stewards of what we have. Courses at SchoolhouseTeachers.com, like Personal Finance in Bite-Size Chunks and Money 101, can definitely help to equip your child with a practical, Biblical perspective on this topic. Tithing should also be a part of this instruction—investing monetarily in the local church and the furtherance of the gospel.

The definition above mentions time, effort, and energy. Have you ever thought about tithing those? I often advise harried homeschool moms to carve out the very best window of time the “tithe” of their day—for their Bible study and prayer. It isn’t “devotions” if we are racing through the process just to check it off our lists. Choose a time when you are going to feel the most engaged, the most focused. 

Three things are eternal:
  • God’s Word (1 Peter 1:24,25) - Invest in reading it, meditating upon it, studying it, and memorizing it.
  • Human Souls (John 5:28,29) - Invest in redemptive living, dispensing and demonstrating the gospel first in your home, and then in your church and community. 
  • God’s Love (Romans 8:38,39) - Invest in growing in your understanding of His sacrificial, unconditional, limitless love—and then make it your quest to emulate it.

Do we invest our efforts and energy in these things of eternal significance? Simple things like furnishing and decorating our homes can quickly get out of balance. We can begin to look at everything through the lens of Pinterest. Having a neat and tasteful home is not wrong; but be careful—in the end, it’s only stuff that will decay with time. We have to train our hearts to value the eternal above the temporal and to realize that our greatest “return” will be from those investments which deepen our spiritual lives. What we value most will hold our hearts captive (Matt. 6:19-21). 

The adage that “more is caught than taught” certainly applies to this discussion. Do our kids see us investing ourselves in service—helping as a part of our local church body, loving our neighbors, volunteering in our community? Volunteerism looks great on a transcript, but we should be teaching our kids that servanthood should define who we are, not just what we do. 

Take a moment today with me and consider—how do our “portfolios” stack up against the values presented in God’s Word?

Diane Heeney  is a graduate of Bob Jones University, where she served on faculty for ten years. She has been Assistant to the Director of Advertisng Sales at The Old Schoolhouse® Magazine since 2016. She’s homeschooled her three children over the course of the past 18 years, having graduated their two oldest. Diane, her husband Patrick, and their youngest child, Katie, reside in eastern Wyoming.
Don’t miss your LAST CHANCE to take advantage of the Fall LAST CHANCE Sale at SchoolhouseTeachers.com. Sign up by 10/10/19 to lock in the low rate of $29.95 every 3 months, and cover all your homeschooling needs for 33¢ per day.
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Jodi Riddle
Training Your Child

Investments, by definition, are the action or process of investing money for profit or material result. Investments can be categorized in different ways and can include stocks, bonds, mutual funds, interest-bearing accounts, land, old comic books, jewelry—anything an investor believes will produce income or become worth more in the future.

Investments are something many adults think about or participate in, but how and when should we teach our children about them? 

This topic is a difficult one for me. I am not against investing, especially when things can be so uncertain in the world we live in today. It is great to have some reserve for those times of trouble or uncertainty that can come upon us, planning for a child’s future or maybe saving for retirement. 

My difficulty with it is when money and things become the focus and take away from serving the Lord or even spending time with Him. 1 John 2:15-17 warns us, “ Love not the world, neither the things [that are] in the world. If any man love the world, the love of the Father is not in him. For all that [is] in the world, the lust of the flesh, and the lust of the eyes, and the pride of life, is not of the Father, but is of the world. And the world passeth away, and the lust thereof: but he that doeth the will of God abideth for ever.” I read these words and see how many times “investments” controlled the individual rather than the individual controlling the “investments.”

We should teach our children to first, invest their time in getting to know the One Who has given us all things. Then instruct them in how to be good stewards of those things. When they are old enough to understand the value of things, then begin to help them understand about investing for their future, however you feel is best for them. There are books written by Christians that can help guide you if your child wants to learn more, but remember to always preface what they are taught by how it lines up with God’s Word. “Train up a child in the way he should go: and when he is old, he will not depart from it” Proverbs 22:6.

Jodi has been with TOS since April 2016. She serves as Operations Manager and is also the  Homeschooling with Heart  blog manager. Jodi is a pastor’s wife and has three adult sons. She homeschooled for eighteen years and also taught in the private and public-school settings. Jodi enjoys teaching, playing the piano, scrapbooking, and making cards. Her heart’s desire is to help others learn to enjoy these things as well!
Are you trying to figure out how to assign separate classes to each of your students within  SchoolhouseTeachers.com ? Watch this  tutorial  to learn how to use the great Bookmark feature to organize course assignments!

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Did you know that your SchoolhouseTeachers.com membership includes Teaching Your Child Financial Stewardship? This 6-video series includes lessons in financial wisdom and biblical stewardship. We also have Money 101, a money management course for teens that will give then a solid foundation in budgeting and saving. And if that’s not enough, Personal Finance in Bite-Size Chunks rounds out your teen’s financial education with lessons in taxes, credit, and inflation.

in the latest issue of
The Old Schoolhouse® Magazine.
Contest Corner
for the month of October
Hang on to Jesus! Adventures Series and Teaching Guide from Little Saints Press offers a unique way to introduce and explain the gospel to young children. The series includes 11 sequential books that build on each other as you continue the program. Each book is hardcover, 29 pages, and full of colorful illustrations. The set came packed neatly in an upright keepsake box that allows all the titles to be clearly displayed.

The Teaching Guide is spiral bound with numbered tabs separating the information for each lesson. Each book is broken down into five or more activities with detailed instructions for completion. 

The books within this series walk you through Bible stories and foundations of our faith as explained by Jesus to Ricky and his younger sister Dee Dee. Each book begins with a discussion between the siblings or a conversation with Jesus that turns into a field trip. Each book includes scripture throughout the text and on some page margins. The passages are always from easy-to-read translations which is great for early readers. The author was extremely detailed in his desire to ensure your child understands how to communicate with God.  A Letter from God was my favorite book from the series because it told the complete story of our faith in the simplest terms.

The author recommends using this program with children ages 6 to 12. However, after working through this course, I believe it best suits children ages 4 to 10 that enjoy visual aids as they learn. Paired with The Teaching Guide, this course will allow you to share the doctrines of Christianity in an engaging, unique, and fun way.  

There are many more details about this book series in the full review on our site.

Enter the contest on our site for your chance to win the Hang on to Jesus! Adventures Series and Teaching Guide. You can enter several times!
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