or (with your guidance) on the Internet. Teach them to
prioritize. Then help them create a special fund, which you can
keep for them in an envelope, out of their reach. You could also
offer to match what they save with a contribution of your own,
just as corporations sometimes match employees’ donations to
retirement accounts. Your kids will be encouraged to save money
instead of immediately spending it, and they will learn how
saving money can help them achieve their goals. If you instill
these habits early, the dividends will pay off later. Start off
[as] early as kindergarten by buying your child a piggy bank.
Today such banks come in all shapes, sizes, and colors. Make the
process of saving even more fun by purchasing a bank that
appeals to your child’s particular interests. Ask your older
kids what sort of financial goals, both short- and long-term,
they would like to set for themselves. Have them write down
where they see themselves in six months, a year, after college,
and five years after that. Then a