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August 21, 2025 16 mins

How do we feel about parents who charge their kids “rent”? What about at six years old?? Jana and Allan discuss the importance of learning the value of chores, but at what point do chores become too “transactional”?

Jana shares a story of how her grandfather turned a monthly car payment from her brother into a valuable financial lesson. 

And, we explore the many different ways to handle a disruptive child on a plane. 

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Episode Transcript

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Speaker 1 (00:01):
Wind Down with Jenna Kramer and I'm Heart Radio Podcast.
All Right, we've got some headlines this week to discuss.

Speaker 2 (00:12):
Reader one is about charging your kid's rent at the
age of six years old.

Speaker 1 (00:17):
Yeah, So, can you just explain to the listeners this one,
because I see the headline and I'm like, this is
clearly just made an.

Speaker 3 (00:27):
A joke reference.

Speaker 2 (00:29):
Well, it's actually not a joke reference and I can
I can see the logic for it, so let me
explain it. So my dad, who charges his six year
old child rent, says it's good for her character. Financial
literacy is so important. So essentially he sets her chores
and tasks to do, and he pays her for them.

(00:51):
And then at the end of the week he goes
into he knocks on the door, he's into her room
and she has to have her rent prepared in a
little envelope and him the rent. That's the basis of it.
It's also it's not just rent, it's rent, and oh
there's a dollar for utilities as well, so.

Speaker 1 (01:11):
It'll be three dollars for rent and then one dollar utilities.

Speaker 2 (01:16):
And the dad says, okay, thank you, seeing I see
you next month. Now I can see the logic in it.
I really can, because it gets your child financial savvy
at that point. But it's six years old, I understand it.
Ten maybe maybe nine a stretch, but ten upwards. Right, Okay,

(01:39):
now you need to know about money. Now, you need
to know about responsibility and chos. They need to know
about choes before that. But I don't think there has
to be a transaction until they're a little bit older,
like Jolie has to. I was just thinking this just
some morning. The kids have to be a little bit
more organized than the mornings now with Choe stuff, because
we'll get Roman to get ready for.

Speaker 3 (01:59):
School two of the days, yeah, two.

Speaker 4 (02:01):
Of the days.

Speaker 2 (02:02):
So like the chores that have been set out, like
jolly feeding the dog, wish she dead this morning?

Speaker 1 (02:08):
Did you?

Speaker 2 (02:09):
Without being naskedy? We and so these things are important
because of the structure and responsibility and accountability piece, But
I don't think that should be transactional stuff to the
at least ten.

Speaker 1 (02:21):
Here's my thing with it. So I love the concept
of it, and you know, I am very much on
uh like I I was raised in a you work
for what you get or what you want, and I
think that's why I've grinded as hard as I have
because I wasn't given things like so there's a piece

(02:43):
of it where like, yes, I had to quit skating
because when my parents got divorced, they couldn't afford it anymore.
And things like that make me work harder because I'm like,
I never want my kids to have to quit a
sport because I can't afford it. But when it comes
to cars, that was very much the thing. And I've
talked about this before where it's, you know, my dad's like,

(03:04):
if you want a car, you have to get a job.
And so I got a waitressing job at fifteen and
he co signed obviously because I had no credit at fifteen,
but he co signed. But I paid for my payments right,
and just how my grandpa did it for my brother.
My grandpa made my brother, And this is what this is.
This is what I would I think I want to do,
is what my grandpa did for my brother. But I

(03:27):
am not of the mindset where it's like, here's a car,
and a lot of people disagree with me on that
when it comes to that, like, I don't think we're
on the same page with that.

Speaker 4 (03:38):
I think it's definitely because choice so far away.

Speaker 3 (03:40):
It's just want of a nice let's talk about remen.

Speaker 4 (03:46):
Oh, are you going to charge Roman rent that's six
years old?

Speaker 1 (03:49):
So this is like so this is what I'm saying.
I think it's different. So I don't love the word
rent right because I want my kids to feel safe
in their home. I want them to feel like this
is their home. They don't need to pay to live
in their their home that they have. I want them
to have chores in the home that they have. And
I think when Jolie gets to a certain age, I
think six is too young again. I get this to

(04:10):
I love the dad's motivation in this. I don't love
that it goes to the home aspect again, just because
I want kids to feel like they shouldn't have to
be paying for rent at six years old like that
to me, like if you want to pay for extra
toys things like that. Something about the rent of a
house bothers me because there's a safety and aspect. Does

(04:33):
that make sense that I'm trying to say, like, there's
like this is their home and they should feel like
they can, you know, rest in the comfort of their
home to not have to worry about paying for home
like lord, you know what I mean, Like they only
have what eighteen years of that to rest of not
having to have a payment for rent, you know. But

(04:54):
I think I love the aspect of the flip side
of it, where helping them understand money. So there's this
new credit card thing where they can germs where they
can uh like, if Jolie wants something out of like

(05:14):
at the mall when she goes with her friends.

Speaker 3 (05:16):
Then you know, these.

Speaker 1 (05:18):
Are chores and certain rewards and stuff like that that
I think, well, I'll like I would like to implement.
And she makes, you know, some residual money from her
movie that she did, and so there's a piece of
that where it's like, all right, we've I've put ninety
nine percent of it away in her account, but there
are the one percent where it's like, do you want
to save this to buy something for yourself?

Speaker 3 (05:37):
And I think that is good.

Speaker 1 (05:39):
And then when it comes to the car, it's you
work for your car, Like I'm not just going to
be like, here's a car. And I think that's where
I know my ex and I are going to butt
heads and we've already talked about that being butting heads.
But also he was given everything, And he also can
say that that was a negative effect because then he

(06:02):
expected like he didn't have to really work hard. And
again he worked hard because he was in football whatever,
but like there was a piece of that where I
think it affected him just being like here's money, here's this,
here's that. Yeah, the work ethic in it, I think
was affected. Okay, So with Roman, like what obviously we're

(06:24):
not no, I did, what would we do when it
comes to.

Speaker 3 (06:29):
Cars? And then when they're older, it's like.

Speaker 2 (06:32):
Well he has to work to pay towards your car. Yeah, yeah,
but you've got to work to survive. I think that's
the most important thing is you have to You have
to learn, regardless of what age it as. Whether it's
like I had a paper around it twelve years old,
so I had to if I wanted things, I had
to go and keep my to keep my customers, to

(06:55):
provide a service for my customers at twelve years old.

Speaker 4 (06:59):
So I think I'm of.

Speaker 2 (07:01):
The basis of you've got, you've got, You've got am
to survive.

Speaker 4 (07:03):
Somehow.

Speaker 2 (07:04):
It might not be enough to pay a car, but
it's going to be enough to take your girlfriend on
a day, and it's going to be enough that if
you want a pair of shoes, you can go get
a pair of shoes. Right, You're gonna you're gonna have
to airn to survive at some point, regardless of what
the age is. So I think, are you going to
be enough to pay for everything you need at a
young age? Probably not, which is why don't need to

(07:25):
lean on us at some point.

Speaker 1 (07:27):
Right And then when they're out of the house, it's
like I lived with like five roommates.

Speaker 3 (07:31):
You know, so it's they also have to get that piece.

Speaker 1 (07:36):
I think from what I've seen is there's a lot
of and I don't know generations. It's so interesting to
see each generation different, right, I don't know what art
like what Roman's generation will where they'll be at, you know,
or what they'll want to do. But I can tell
you right now, I wouldn't be like, here's this, you know,

(07:56):
and because I you have to work hard, or because
life is going to be hard, and then you're gonna
have a lot of payments and you they have to
instill that into your kids.

Speaker 3 (08:05):
And I think.

Speaker 1 (08:07):
For those that don't know the story about my grandpa,
but my brother bought my grandma's car and this is
really funny because it was remember back in the day,
like I don't even know if you know this, but
there's this mary Kay. Mary Kay was like an estay lotters, okay,
And I mean this was the largest buick ever, right.

Speaker 3 (08:31):
It was like a rose.

Speaker 1 (08:32):
Colored buick, right, and there is a mary Kay sticker
like in the back that like he just like could
knock get off, okay, And it's like it was like
it was driving a boat. Like that's how big this was.
I used to remember sitting in the back because he
would made me sit in the back because when I
was a freshman, he was a senior in high school
and he was so embarrassed to drive me. But I
would sit in the back and just like bounce on
the seats because they were so bouncy. But my grandpa,

(08:58):
very German, was like, every month that this you send
the payment in, you know, So every month my human
brother had you know, I think he had two jobs.
He paid my grandpa on time every single month. And
at the very end of all the payments, he handed
my brother the bag of all the money and he said,

(09:21):
you know you're getting this back to now invest and
you know you worked really hard. You were never lay
on your payments, and that showed the work ethic of
paying him and then he got the money back to
then invest it. And I love that. I think it's
so good. And that's spoiler alert Jolie and Jason Roman.
That's what I would love to do if given, I'm

(09:43):
able to absolutely because I just, yeah, I love a lesson,
but I'm not charging a six year old rent. I
want them to feel safe, like I worked my butt
off so that they could have a comfortable home.

Speaker 2 (10:08):
This is a it's not a strange one, but it's
one that I can kind of resonate a little bit
with because there's a couple of times on flights where
Roman has been pretty excited and won't calm down. So
this couple, albeit it's a different situation. This this couple
have a a kid who's on the spectrum and was

(10:30):
kicking the seat in front, so you know, it's like
they're out of control on these flights and there's not
enough space.

Speaker 1 (10:36):
Even I'm like stat like he's like, no, you cannot
grab a person's station.

Speaker 2 (10:40):
A couple of people around them had asked to be
moved seats and become really annoyed by the situation where
this kid anyway, the airline, the crew on the airline
gave them little napkins with notes to a family saying,
we appreciate how good a parent you are and we
have empathy for your situation.

Speaker 4 (10:58):
I could cry you.

Speaker 2 (11:00):
You guys as a family are more than welcome back
on our airline.

Speaker 4 (11:03):
However, these people aren't so much.

Speaker 1 (11:06):
I literally want to cry. That makes me emotional. That's
so sweet.

Speaker 2 (11:12):
But we've had we've had a cup not incidents, but
like I remember, I was flying to it was a
fighting to West Virginia on my own with Roman. Come
see you on set. Yeah, not on the private plane
that we no And I was I was so busy.
I was so busy in the lead up flying out
to see you that I forgot to book my my chair,

(11:35):
my fleet, my flight seat. So I get there and
I've not upgraded, I've not done anything. And I get
there and I'm in a middle seat with Roman. With Roman,
I'm in a middle seat and the guys on either
side of me were actually really nice. But Roman was
knocking the guy's protein shakeover. There's one point he's pulled

(11:56):
the guy's headphones easier. I'm like this this child's going
to get elbowed by one of these guys. Then he
would just drop his milk on the guy next to me.
So I understand where these people are coming from, and
I can you've been on the receiving side as well.
But you're trying to sleep on a flight and there's
a kid screaming one or two rows back, You're like,

(12:19):
just get that child.

Speaker 1 (12:21):
See, that's not my I I've always had empathy for
the parent because how because I know how mortifying it
feels when my child screams.

Speaker 4 (12:33):
I have empathy, yeah, but it's also not ideal.

Speaker 2 (12:36):
Sure, but there's a way of handling, Well, these people
have been ruding, like we want to be moved seats,
We don't want to put up with this. I would
never do that, No, I would never do that. Anyway,
they are lying back to them and gave him a
really nice note on being a being supportive parents and
a good family.

Speaker 1 (12:53):
I love that so much. And I think it's one
of those things where if the parent isn't trying to
correct the behavior, that's where I think I get frustrated,
because as much as I am trying to not have roman,
he's also less than two you know, he's not even
too yet. I am trying my hardest. It's when the

(13:14):
parents are completely oblivious and don't care, because there has
been those situations where I've literally had kids shaking my
seat just because they want to, and like the parent
didn't say anything, you know, for almost an entire flight.
So that's where it bothers me, because it's like, at
least try to say I'm so sorry, you know, and
then it's like, no worries, I get it one hundred percent.

Speaker 3 (13:37):
How can I help? You know?

Speaker 2 (13:39):
I think it's a parent, you see it definitely like
because you understand you've been in there with youth that
you think every eyes, every set of eyes on that
plane are on you and every set of years and
on your soul.

Speaker 4 (13:51):
The pressure.

Speaker 1 (13:52):
I mean when we flew back to Nashville from Detroit,
when you flew to was it Portugal? Where were you
fine to? Yeah?

Speaker 3 (14:00):
Portugal?

Speaker 1 (14:01):
I mean Roman was like a crazy person, I mean,
and but I literally apologize to everyone around me. I'm like,
I'm so sorry, and even like the guys behind me were,
you know, trying to play like peekaboo with them, like
they were being sweet.

Speaker 3 (14:16):
But I mean Roman was like biting the.

Speaker 1 (14:18):
Seat and I'm like, germ, stop, even though I like
all the seats, But I mean it was you know,
you do, you do your very best. But I think
it's the awareness of the parent being like, hey, you know,
I am sorry, but I took to like move. I
mean again, like maybe those are people that don't have
kids and they don't understand it, but.

Speaker 4 (14:37):
Parents are just telling them.

Speaker 3 (14:40):
I could never imagine moving.

Speaker 4 (14:44):
Some things. You just get people not cane.

Speaker 1 (14:46):
Well, I think people are very specific and I mean, listen,
We've had people that won't move because they want a
window to an eye. Like I also get that you
paid for a seat that you want when it comes
to even moving. I know it's different with kids, but
I still I'm like, as much as I love a window,
if someone really needs it and wants to move.

Speaker 3 (15:05):
I'll switch.

Speaker 2 (15:07):
That's the type of scenario what I would lose my temper.
What do you mean like if you've got Roman right,
and we'll get a guy in front of us and
Romans kicking a seat and just trying at least trying
to restrain them. When you're explained to the people in
front of listen, you don't respect frum.

Speaker 4 (15:21):
I apologize. If this guy turns over, turns around the seat.

Speaker 2 (15:25):
And says, can you control your baby, I'll get your
baby to shut up, Verny, that's it red messed.

Speaker 1 (15:32):
Yeah, especially if you're trying, you know, so sad okay,
But I love that the I love that the flight
attendants wrote those letters. I mean, just so sweet. And
I always whenever I see moms too buying, I'm always like,
you're doing a great job, so on that we will

(15:54):
see you next week for another and see what's happening
with more little headlines.

Speaker 4 (16:00):
Bas
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Jana Kramer

Jana Kramer

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