July 7, 2026 • 15 mins
Summer is supposed to feel fun, free, and full of memories—but for many families, it also becomes the season where money quietly disappears. Between snacks, camps, activities, eating out, and the pressure to keep kids entertained, it’s easy to reach August feeling financially drained and overwhelmed.
In this episode of Money and Legacy, Laura shares a practical five-step plan to help parents create a memorable summer without losing control of their budget. From setting simple summer routines to meal planning, snack prepping, planning for boredom, choosing priorities, and finding the categories where money leaks fastest, this episode will help families spend with more intention and less stress.
Because your legacy is not built by doing every activity or buying every experience. It’s built in the everyday moments, the intentional choices, and the memories you create on purpose.
In this episode, you’ll learn:
- How summer routines can reduce reactive spending and family overwhelm
- Why meal planning and snack prep are key to saving money during school break
- How to identify the spending leaks that quietly drain your summer budget
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Laura (00:00):
As a family of five, we have to be five times more
careful how we spend during thesummer You are listening to the
Money and Legacy Podcast withLaura Sexton.
I'm helping families pay offdebt, grow wealth, and build a
legacy without sacrificing whatmatters most.
This is where money feels easy.
Hey, legacy builders.
(00:22):
How do we create a memorablesummer without feeling
financially out of control byAugust?
That's the question and thepremise of the show today, and I
will tell you, I have been sooverwhelmed by the change of
moving from California toTennessee, and it's been
overwhelmed in a good way, butit is so much change.
(00:42):
And one of the things that'sbeen very important to my
husband and I is, how can wepossibly create memories and
allow the kids to have all ofthe summer things that they
normally have?
But we're in a different place,and we just have to be very
intentional.
But while we're in the middle oftransition, and we're moving,
and all of the things that arehappening around us, it is a
whirlwind and a swirlwind, and Iknow that you are living in a
(01:05):
world where you have a crazysummer happening, too, because
it doesn't matter how much weplan for, summer always feels a
little bit out of control.
And part of that is because whenwe were kids, summer was the
coolest time in the entireworld.
We didn't have to go to school,when you're little, getting out
of school for the summer feelslike you're gonna have forever
(01:26):
to go out and play with yourfriends.
Like, it felt like the wildesttime.
And then as you get a littleolder, you get a job, like you
got some freedom, and summer'sjust great.
And part of that is the storythat we grew up with.
We're gonna keep it, and it'snot going anywhere And we will
be talking about that in a nottoo distant episode, how growing
(01:46):
up affects how we handle ourmoney today.
So I wanted to give you afive-step plan for how we can
have our summer and not be sooverwhelmed by the time school
starts.
Now, my kids are gonna get amuch shorter summer season than
they would have had we stayed inCalifornia or if we'd gotten out
here sooner, because theCalifornia school gets out in
(02:08):
June and starts at the weekbefore September, sometimes
starts in September, as opposedto out here in Tennessee where
they get out in May and theystart at the beginning of
August.
So we're getting a shortenedsummer, which might be the best
thing that's ever happened to usbecause of the transition.
The number one thing that Ithink is going to help you feel
(02:31):
financially secure come Augustwhen school starts again, is to
set a routine.
When you don't have a routine,you tend to have reactive
spending.
So if we want to avoid thereactive spending, we have to
set a routine.
And it's not just the spending,it's how we waste our time, how
(02:52):
we utilize our energy.
If there's no routine, we cansometimes get to the end of the
day and go,"Did I do anything atall today?
Did I get out of my pajamas?
Are these new pajamas or have Ibeen wearing these for a couple
of days?
What is happening?" Having aroutine, every morning we get up
at this time.
Now, it doesn't have to be yourregular school day time, because
(03:13):
it is summer.
I don't have to wake my kids upto go to school.
I let them sleep in, andwhenever they get up, we get up
and we do what we need to do.
But we have a routine.
And on the days where we're notin our routine, you can tell.
The kids are cranky, I'm cranky,things feel so uncertain, and
your kids need certainty.
Your kids thrive on routine.
(03:34):
Now, it could be that they tellyou they don't, and they hate
when you make them get on aschedule, but they thrive in
consistency.
They thrive with guidelines.
They thrive with boundaries.
It's what makes them feel safe,when they know what's coming
next.
So set a routine for the summer,whatever that looks like for you
(03:55):
and your family.
Right now, Grandma's doingschool with the kids.
They have to get up and go toschool every day.
It's super fun.
So number one, set a routine forthe summer.
Number two, meal plan and snackprep is the saving grace of all
saving grace.
This is gonna help you with yourfood cost.
(04:16):
I don't know about you, but mykids ask for a snack every 2.3
seconds.
They're eating a snack andasking what their next snack is
going to be, and part of that isbecause they're bored, or
they're out of a routine, orthey don't know what's coming
next.
They don't know when their nextmeal is, and that can cause them
to need or think that they needa snack.
(04:38):
Sometimes they're just bored,and if they're bored, they think
they need to eat.
And that's something that Idon't want them to have as part
of their brain space because forme, I get bored, I eat.
I don't have anything moving myhands, I wanna be using it to
eat something.
It's not a healthy way to be, soI have to plan ahead.
If you meal plan, that alsohelps you with your budget for
(05:00):
going to the grocery store.
You know what's on the shoppinglist.
You know what's required.
You're gonna spend less ongroceries, and you're not gonna
have the same mental stress atthe end of the night where
you've been home with the kidsall day every day for, however
many weeks now.
And the mental load of having todecide what's for dinner is e-
(05:20):
exhausting I was just thinkingabout how I have to figure out
what's for lunch right nowbecause I did not meal plan
lunches this week, which issilly because we're home all
week and I have my dinner mealplan, but I forgot to do my
lunches meal plan right now, andthat just popped in my head.
So I will do that for the restof the week and make sure I
don't have this problem again.
Also, snack prep.
(05:42):
If you go ahead and cut up thecarrots, if you go ahead and cut
up the apples, if you make it soeasy that they don't have to ask
what kind of snack they canhave...
I know people that have bins fortheir kids where they put a
certain number of snacks in thebins each week, and the kids can
grab whatever's in there.
But they know, hey, when this isdone, it's done for the entire
(06:03):
week, so you have to learn tobudget your snacks.
You have to learn to ration.
You have to learn to makedecisions.
What do I want now so that Istill have things that I like at
the end of the week?
These are really important lifeskills that they're going to
need, and it's done in a safeway.
If they run out of snacks, it'snot like they're not going to
have food.
(06:24):
You're still going to have lunchand dinner for them.
However, if they run out ofsnacks at home as a child, that
is a much better lesson to learnthan if they're out on their own
and they run out of food andthey run out of money and they
don't know what to do.
So we start it when they'reyoung so they know how to do it
when they're older.
(06:44):
That brings me to number three.
Go ahead and plan for boredom.
The first thing to do here is goahead and write out a list of
age-appropriate chores for yourchildren to do.
I promise you, if your childrencome to you and go,"Mom, I'm
bored," and you start givingthem chores, they're gonna quit
coming to you and saying,"Mom,I'm bored." But the next best
thing to do is go ahead and havea list of age-appropriate
(07:05):
activities for them to do, someinside, some outside.
Let them know, here are thethings that you are allowed to
do on your own.
You don't need mom to hold yourhand and walk you through each
and every step.
Now, you should be doing stuffwith your kids weekly, daily.
Every couple of hours, youshould be sitting down on the
floor or at the table with themso they know you still, are
(07:25):
paying attention to them andthey are still important.
There's something about thisidea of filling up their bucket.
10 intentional minutes with yourkid every single day makes them
go to their friends and go,"Yeah, I spent the entire day
with my mom yesterday"?
That's how connected they feelwith just 10 minutes a day.
If you spend 10 minutes a daywith your child intentionally
(07:49):
connecting with your childone-on-one, when they grow up,
they will only remember thatthey spent all that time with
you, and they will not rememberthe rest of the day, the other
23 hours and 50 minutes that youspent apart I hope that that is
comforting for some of you.
Now, that is not permission foryou to spend 10 intentional
(08:09):
minutes with your child and thengo play on your phone for the
rest of the day, but I am hopingthat I can free up some of you
from the emotional worry ornegative feeling, guilt that I
get from a lot of parents thatare like,"Well, I just, you
know, I, I'm supposed to sp- bespending all my time with them.
I don't have time to go getanother job.
I don't have time to do thedishes and the chores, so I have
(08:29):
to get a nanny.
I have to get a house cleaner."It, it's not true.
And in fact, if you can bringthem in on those things, you get
intentional time, plus you getthe chores done.
Maybe that's a podcast foranother day, but plan for
boredom.
And I'm gonna go ahead and saythis because I found this really
fun the other day.
Never underestimate the power ofa water hose.
(08:51):
The giggling and the inventionand just the fun.
Can you remember that as a kid,the fun of having a water hose
and, like, spraying your parentswith the water hose or spraying
your siblings with a water hoseor setting up sprinklers
outside?
And just the cheap sprinklers.
We don't have to get crazy.
(09:12):
We don't have to get fancy.
Just cheap sprinkler at the endof the water hose that's
spraying back and forth, andit's super fun for the kids.
Never underestimate the power ofa water hose.
I came out of my house the otherday.
I'd just finished up my work,and I was putting...
I had finished up a work day,and the baby needed to be put to
bed, and I took her upstairs,and I cuddled her, and I sang to
(09:33):
her, and I put her to bed.
And I came downstairs to justsqueals of laughter, and I was
like,"What in the world ishappening?" And I walk out my
front door, and my husband issquirting the kids with the
water hose, and they can't getaway.
And they were running back forit, right?
They were trying to get wetterand wetter and wetter.
I was like,"Oh, my goodness,this is gonna be so much work to
get them dry and inside, andthey're gonna mess up my
(09:55):
brand-new floors." And that wasall the thoughts that were going
through my head as I'm watchingthem giggle with delight.
And I was like, who cares aboutfloors?
Who cares about the mess?
This is the joy.
This is why we bought this home.
This is why we are where we are.
So just never underestimate thepower of a water hose.
Number four, go ahead and chooseyour priorities ahead of time.
(10:20):
Choose one camp, one activity.
Not all of them.
Some people have childcareneeds.
I know my sister, when she onlyhad one child, she was working
in a high-power law firm, andshe was busy, and she couldn't
take time away from work And itwas really important that she
had her child in somethingenriching and fun while she had
(10:41):
to work, and she was going upthe ladder at this law firm that
she was f- fulfilling her dreamof being a lawyer.
And she had her daughter in adifferent fun camp.
Now, she could afford it.
It wasn't straining for herfinancially to put the child in
a camp every week.
Sometimes that's cheaper thandaycare, and you have to do what
(11:04):
you have to do to make sure thatyour children are cared for.
However, if you are home withyour children and you would not
have the expense of daycare,choose one camp for the summer.
Now, maybe you've already gone alittle overboard and you bought
a bunch of different camps andyou're feeling really strapped
right now.
It's okay to call them and say,"Hey, we can't come.
(11:24):
Can we get our money back?" Alot of camps have waiting lists
and people that are willing tofill them, and they will
relinquish your spot so thatsomebody else can get in that
camp Your children do not needto be entertained all day every
day to have a wonderful summer.
Do not put them in camp becauseyou feel like you're allowing
them to be bored.
(11:44):
Let them be bored.
You know the best thing in theworld that can happen is your
child get bored and come up withtheir own game.
My seven-year-old this morningsat at the kitchen table for 45
minutes designing what shewanted her bedroom to look like.
She took into account the sisterthat she shares it with.
She took into account what hersister liked and what her side
(12:06):
of the room would look like, andthen she said,"Well, this is
what my side of the room's gonnalook like." And she drew it all
out, multiple pages, multipledirections of what it would look
like when you're standing in themiddle and you turn around and
look.
I didn't direct her in that.
I didn't suggest it.
She came up with that all on herown.
I love when my kids are boredand make stuff up and dream and
(12:27):
are imaginative.
We need more of that.
So choose your priorities thissummer.
The things that are importantget our time, our attention, and
our money.
The things that are notimportant, they go down on the
list.
And if we can't make it work, wedon't make it work.
Choose.
If everything is a priority,nothing is a priority.
(12:48):
You go ahead and choose.
And number five, identify threecategories where you find money
disappearing fastest.
They're there, I promise you.
There are categories whereyou're like,"Where in the world
did the time go?
How did I spend the money now?
What in the world?" For a lot ofpeople, that's food.
For a lot of people, that'sactivities.
(13:09):
There are so many differentthings that it could be, and so
I want you to sit down and lookat your budget look at the last
week.
Where did you spend your money?
Look at the last month.
Where did you spend your money?
Are there places that money isgoing that you were not
intentionally thinking, and theyjust happen to take all of your
money?
(13:31):
Going out to eat during thesummer, that's a big one.
I have one couple that I workedwith last year, or maybe it was
the year before.
I don't know.
Time flies so quickly.
And they kept spending money atthe Blue Lagoon, and I was like,
"What is the Blue Lagoon?" Theyhad sent me their bank statement
so I could see, because theywere like,"We don't know where
our money's going." I was like,"Well, what is The Blue Lagoon?
'Cause you've spent$600 therethis week, and you spent$700
(13:56):
there last week, and you spent$500 there the week before.
What is this place that you'respending all this money?" And
they said,"Oh, that's the foodat the pool that we have a
membership to.
We go there'cause it saves usmoney I said,"You just spent
$1800 there in three weeks.
How is this saving you money?"And they're like,"Well, we don't
have to build a pool, so we'resaving money." And I was like,
"Great.
What is The Blue Lagoon if it'ssaving you money?
(14:18):
What is this?" And they're like,"Oh, that's the restaurant
outside of the pool, so we canorder food there.
We can't bring food there." Isaid, does it cost you anything
to go into the pool?" And theysaid,"No." And I said,"How far
is that from your house?""Oh,you know, it's about a three,
four, or five-minute walk." Walkhome, get food that you have
already paid for, eat it, andthen walk back.
(14:40):
You need that time for the foodto settle before you jump back
in the pool anyway.
$1,800 to save money on a pool?
No.
Identify the three categorieswhere money is disappearing the
fastest.
If you set a routine, you mealplan and snack prep, you plan
for boredom, you choose yourpriorities, and you identify
(15:00):
where the money is disappearingquickly, and you plug those
leaks, you are going to have avery financially savvy summer.
The thing I need you to know, myfriends, is that legacy is not
the money in your bank account.
The legacy comes in the everydaymoments of life.
(15:21):
If you want to leave a legacy toyour children, if you want to
accelerate the legacy that youplan on leaving, it starts with
intentionality.
It starts with that 10 minutesof play on the floor with your
kids.
My friends, your legacy startsright now.
Go out and make a difference
As a family of five, we have to be five times more
careful how we spend during thesummer You are listening to the
Money and Legacy Podcast withLaura Sexton.
I'm helping families pay offdebt, grow wealth, and build a
legacy without sacrificing whatmatters most.
This is where money feels easy.
Hey, legacy builders.
(00:22):
How do we create a memorablesummer without feeling
financially out of control byAugust?
That's the question and thepremise of the show today, and I
will tell you, I have been sooverwhelmed by the change of
moving from California toTennessee, and it's been
overwhelmed in a good way, butit is so much change.
(00:42):
And one of the things that'sbeen very important to my
husband and I is, how can wepossibly create memories and
allow the kids to have all ofthe summer things that they
normally have?
But we're in a different place,and we just have to be very
intentional.
But while we're in the middle oftransition, and we're moving,
and all of the things that arehappening around us, it is a
whirlwind and a swirlwind, and Iknow that you are living in a
(01:05):
world where you have a crazysummer happening, too, because
it doesn't matter how much weplan for, summer always feels a
little bit out of control.
And part of that is because whenwe were kids, summer was the
coolest time in the entireworld.
We didn't have to go to school,when you're little, getting out
of school for the summer feelslike you're gonna have forever
(01:26):
to go out and play with yourfriends.
Like, it felt like the wildesttime.
And then as you get a littleolder, you get a job, like you
got some freedom, and summer'sjust great.
And part of that is the storythat we grew up with.
We're gonna keep it, and it'snot going anywhere And we will
be talking about that in a nottoo distant episode, how growing
(01:46):
up affects how we handle ourmoney today.
So I wanted to give you afive-step plan for how we can
have our summer and not be sooverwhelmed by the time school
starts.
Now, my kids are gonna get amuch shorter summer season than
they would have had we stayed inCalifornia or if we'd gotten out
here sooner, because theCalifornia school gets out in
(02:08):
June and starts at the weekbefore September, sometimes
starts in September, as opposedto out here in Tennessee where
they get out in May and theystart at the beginning of
August.
So we're getting a shortenedsummer, which might be the best
thing that's ever happened to usbecause of the transition.
The number one thing that Ithink is going to help you feel
(02:31):
financially secure come Augustwhen school starts again, is to
set a routine.
When you don't have a routine,you tend to have reactive
spending.
So if we want to avoid thereactive spending, we have to
set a routine.
And it's not just the spending,it's how we waste our time, how
(02:52):
we utilize our energy.
If there's no routine, we cansometimes get to the end of the
day and go,"Did I do anything atall today?
Did I get out of my pajamas?
Are these new pajamas or have Ibeen wearing these for a couple
of days?
What is happening?" Having aroutine, every morning we get up
at this time.
Now, it doesn't have to be yourregular school day time, because
(03:13):
it is summer.
I don't have to wake my kids upto go to school.
I let them sleep in, andwhenever they get up, we get up
and we do what we need to do.
But we have a routine.
And on the days where we're notin our routine, you can tell.
The kids are cranky, I'm cranky,things feel so uncertain, and
your kids need certainty.
Your kids thrive on routine.
(03:34):
Now, it could be that they tellyou they don't, and they hate
when you make them get on aschedule, but they thrive in
consistency.
They thrive with guidelines.
They thrive with boundaries.
It's what makes them feel safe,when they know what's coming
next.
So set a routine for the summer,whatever that looks like for you
(03:55):
and your family.
Right now, Grandma's doingschool with the kids.
They have to get up and go toschool every day.
It's super fun.
So number one, set a routine forthe summer.
Number two, meal plan and snackprep is the saving grace of all
saving grace.
This is gonna help you with yourfood cost.
(04:16):
I don't know about you, but mykids ask for a snack every 2.3
seconds.
They're eating a snack andasking what their next snack is
going to be, and part of that isbecause they're bored, or
they're out of a routine, orthey don't know what's coming
next.
They don't know when their nextmeal is, and that can cause them
to need or think that they needa snack.
(04:38):
Sometimes they're just bored,and if they're bored, they think
they need to eat.
And that's something that Idon't want them to have as part
of their brain space because forme, I get bored, I eat.
I don't have anything moving myhands, I wanna be using it to
eat something.
It's not a healthy way to be, soI have to plan ahead.
If you meal plan, that alsohelps you with your budget for
(05:00):
going to the grocery store.
You know what's on the shoppinglist.
You know what's required.
You're gonna spend less ongroceries, and you're not gonna
have the same mental stress atthe end of the night where
you've been home with the kidsall day every day for, however
many weeks now.
And the mental load of having todecide what's for dinner is e-
(05:20):
exhausting I was just thinkingabout how I have to figure out
what's for lunch right nowbecause I did not meal plan
lunches this week, which issilly because we're home all
week and I have my dinner mealplan, but I forgot to do my
lunches meal plan right now, andthat just popped in my head.
So I will do that for the restof the week and make sure I
don't have this problem again.
Also, snack prep.
(05:42):
If you go ahead and cut up thecarrots, if you go ahead and cut
up the apples, if you make it soeasy that they don't have to ask
what kind of snack they canhave...
I know people that have bins fortheir kids where they put a
certain number of snacks in thebins each week, and the kids can
grab whatever's in there.
But they know, hey, when this isdone, it's done for the entire
(06:03):
week, so you have to learn tobudget your snacks.
You have to learn to ration.
You have to learn to makedecisions.
What do I want now so that Istill have things that I like at
the end of the week?
These are really important lifeskills that they're going to
need, and it's done in a safeway.
If they run out of snacks, it'snot like they're not going to
have food.
(06:24):
You're still going to have lunchand dinner for them.
However, if they run out ofsnacks at home as a child, that
is a much better lesson to learnthan if they're out on their own
and they run out of food andthey run out of money and they
don't know what to do.
So we start it when they'reyoung so they know how to do it
when they're older.
(06:44):
That brings me to number three.
Go ahead and plan for boredom.
The first thing to do here is goahead and write out a list of
age-appropriate chores for yourchildren to do.
I promise you, if your childrencome to you and go,"Mom, I'm
bored," and you start givingthem chores, they're gonna quit
coming to you and saying,"Mom,I'm bored." But the next best
thing to do is go ahead and havea list of age-appropriate
(07:05):
activities for them to do, someinside, some outside.
Let them know, here are thethings that you are allowed to
do on your own.
You don't need mom to hold yourhand and walk you through each
and every step.
Now, you should be doing stuffwith your kids weekly, daily.
Every couple of hours, youshould be sitting down on the
floor or at the table with themso they know you still, are
(07:25):
paying attention to them andthey are still important.
There's something about thisidea of filling up their bucket.
10 intentional minutes with yourkid every single day makes them
go to their friends and go,"Yeah, I spent the entire day
with my mom yesterday"?
That's how connected they feelwith just 10 minutes a day.
If you spend 10 minutes a daywith your child intentionally
(07:49):
connecting with your childone-on-one, when they grow up,
they will only remember thatthey spent all that time with
you, and they will not rememberthe rest of the day, the other
23 hours and 50 minutes that youspent apart I hope that that is
comforting for some of you.
Now, that is not permission foryou to spend 10 intentional
(08:09):
minutes with your child and thengo play on your phone for the
rest of the day, but I am hopingthat I can free up some of you
from the emotional worry ornegative feeling, guilt that I
get from a lot of parents thatare like,"Well, I just, you
know, I, I'm supposed to sp- bespending all my time with them.
I don't have time to go getanother job.
I don't have time to do thedishes and the chores, so I have
(08:29):
to get a nanny.
I have to get a house cleaner."It, it's not true.
And in fact, if you can bringthem in on those things, you get
intentional time, plus you getthe chores done.
Maybe that's a podcast foranother day, but plan for
boredom.
And I'm gonna go ahead and saythis because I found this really
fun the other day.
Never underestimate the power ofa water hose.
(08:51):
The giggling and the inventionand just the fun.
Can you remember that as a kid,the fun of having a water hose
and, like, spraying your parentswith the water hose or spraying
your siblings with a water hoseor setting up sprinklers
outside?
And just the cheap sprinklers.
We don't have to get crazy.
(09:12):
We don't have to get fancy.
Just cheap sprinkler at the endof the water hose that's
spraying back and forth, andit's super fun for the kids.
Never underestimate the power ofa water hose.
I came out of my house the otherday.
I'd just finished up my work,and I was putting...
I had finished up a work day,and the baby needed to be put to
bed, and I took her upstairs,and I cuddled her, and I sang to
(09:33):
her, and I put her to bed.
And I came downstairs to justsqueals of laughter, and I was
like,"What in the world ishappening?" And I walk out my
front door, and my husband issquirting the kids with the
water hose, and they can't getaway.
And they were running back forit, right?
They were trying to get wetterand wetter and wetter.
I was like,"Oh, my goodness,this is gonna be so much work to
get them dry and inside, andthey're gonna mess up my
(09:55):
brand-new floors." And that wasall the thoughts that were going
through my head as I'm watchingthem giggle with delight.
And I was like, who cares aboutfloors?
Who cares about the mess?
This is the joy.
This is why we bought this home.
This is why we are where we are.
So just never underestimate thepower of a water hose.
Number four, go ahead and chooseyour priorities ahead of time.
(10:20):
Choose one camp, one activity.
Not all of them.
Some people have childcareneeds.
I know my sister, when she onlyhad one child, she was working
in a high-power law firm, andshe was busy, and she couldn't
take time away from work And itwas really important that she
had her child in somethingenriching and fun while she had
(10:41):
to work, and she was going upthe ladder at this law firm that
she was f- fulfilling her dreamof being a lawyer.
And she had her daughter in adifferent fun camp.
Now, she could afford it.
It wasn't straining for herfinancially to put the child in
a camp every week.
Sometimes that's cheaper thandaycare, and you have to do what
(11:04):
you have to do to make sure thatyour children are cared for.
However, if you are home withyour children and you would not
have the expense of daycare,choose one camp for the summer.
Now, maybe you've already gone alittle overboard and you bought
a bunch of different camps andyou're feeling really strapped
right now.
It's okay to call them and say,"Hey, we can't come.
(11:24):
Can we get our money back?" Alot of camps have waiting lists
and people that are willing tofill them, and they will
relinquish your spot so thatsomebody else can get in that
camp Your children do not needto be entertained all day every
day to have a wonderful summer.
Do not put them in camp becauseyou feel like you're allowing
them to be bored.
(11:44):
Let them be bored.
You know the best thing in theworld that can happen is your
child get bored and come up withtheir own game.
My seven-year-old this morningsat at the kitchen table for 45
minutes designing what shewanted her bedroom to look like.
She took into account the sisterthat she shares it with.
She took into account what hersister liked and what her side
(12:06):
of the room would look like, andthen she said,"Well, this is
what my side of the room's gonnalook like." And she drew it all
out, multiple pages, multipledirections of what it would look
like when you're standing in themiddle and you turn around and
look.
I didn't direct her in that.
I didn't suggest it.
She came up with that all on herown.
I love when my kids are boredand make stuff up and dream and
(12:27):
are imaginative.
We need more of that.
So choose your priorities thissummer.
The things that are importantget our time, our attention, and
our money.
The things that are notimportant, they go down on the
list.
And if we can't make it work, wedon't make it work.
Choose.
If everything is a priority,nothing is a priority.
(12:48):
You go ahead and choose.
And number five, identify threecategories where you find money
disappearing fastest.
They're there, I promise you.
There are categories whereyou're like,"Where in the world
did the time go?
How did I spend the money now?
What in the world?" For a lot ofpeople, that's food.
For a lot of people, that'sactivities.
(13:09):
There are so many differentthings that it could be, and so
I want you to sit down and lookat your budget look at the last
week.
Where did you spend your money?
Look at the last month.
Where did you spend your money?
Are there places that money isgoing that you were not
intentionally thinking, and theyjust happen to take all of your
money?
(13:31):
Going out to eat during thesummer, that's a big one.
I have one couple that I workedwith last year, or maybe it was
the year before.
I don't know.
Time flies so quickly.
And they kept spending money atthe Blue Lagoon, and I was like,
"What is the Blue Lagoon?" Theyhad sent me their bank statement
so I could see, because theywere like,"We don't know where
our money's going." I was like,"Well, what is The Blue Lagoon?
'Cause you've spent$600 therethis week, and you spent$700
(13:56):
there last week, and you spent$500 there the week before.
What is this place that you'respending all this money?" And
they said,"Oh, that's the foodat the pool that we have a
membership to.
We go there'cause it saves usmoney I said,"You just spent
$1800 there in three weeks.
How is this saving you money?"And they're like,"Well, we don't
have to build a pool, so we'resaving money." And I was like,
"Great.
What is The Blue Lagoon if it'ssaving you money?
(14:18):
What is this?" And they're like,"Oh, that's the restaurant
outside of the pool, so we canorder food there.
We can't bring food there." Isaid, does it cost you anything
to go into the pool?" And theysaid,"No." And I said,"How far
is that from your house?""Oh,you know, it's about a three,
four, or five-minute walk." Walkhome, get food that you have
already paid for, eat it, andthen walk back.
(14:40):
You need that time for the foodto settle before you jump back
in the pool anyway.
$1,800 to save money on a pool?
No.
Identify the three categorieswhere money is disappearing the
fastest.
If you set a routine, you mealplan and snack prep, you plan
for boredom, you choose yourpriorities, and you identify
(15:00):
where the money is disappearingquickly, and you plug those
leaks, you are going to have avery financially savvy summer.
The thing I need you to know, myfriends, is that legacy is not
the money in your bank account.
The legacy comes in the everydaymoments of life.
(15:21):
If you want to leave a legacy toyour children, if you want to
accelerate the legacy that youplan on leaving, it starts with
intentionality.
It starts with that 10 minutesof play on the floor with your
kids.
My friends, your legacy startsright now.
Go out and make a difference
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