Why don’t schools teach kids about money?

In this episode of Julia and Gino, we sit down with Will Rainey, former investment consultant and founder of Blue Tree Savings, to talk about the financial education children actually need—but rarely receive.

From simple habits to powerful long-term thinking, Will shares practical ways parents can teach their kids how money really works… in a way that’s easy, engaging, and lasting.

Because building wealth doesn’t start in adulthood—it starts in childhood.

00:00 Intro
00:45 Why kids aren’t taught about money in school
02:10 Meet Will Rainey & his mission
04:00 The biggest mistakes parents make with money
06:30 When should kids start learning about money?
09:15 How to teach kids the value of money
12:40 Allowance vs earning: what actually works
16:20 Building long-term thinking in children
20:05 How to talk about money as a family
23:30 The concept of “delayed gratification”
27:10 Raising financially confident kids
30:45 Simple habits that make a big difference
34:20 Resources for parents (books, tools, etc.)
36:50 Final advice for families
38:30 Outro

🌐 Learn more about Blue Tree Savings:
👉 www.bluetreesavings.com

📖 Get Will’s book Grandpa’s Fortune Fables:
👉 https://www.amazon.com/Grandpas-Fortune-Fables-stories-teach/dp/1739972600

Have you ever felt like life is a maze that you can’t seem to navigate? 🤷‍♂️ Parenting, relationships, spirituality, health - it’s all overwhelming and there’s no clear map to guide you. 🗺️ But what if there was? 🤔

Welcome to the ‘Family Coaching’ podcast, where Gino and Julia help you navigate the complexities of life with ease and grace.

🎙️ We dive deep into the subtle nuances of relationships, offer advice for the joyous challenges of parenting, explore spirituality and provide practical tips for healthcare. 💑👨‍👩‍👧‍👦

🙏💊 Our approach is rooted in empathy and understanding, because let's face it, life is hard!

💪 Tune into our podcast for a refreshing take on navigating life's most complex challenges. It's like having a secret weapon in your back pocket. 🎧🔑 ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Join our free Skool community and connect with a fast-growing network of like-minded individuals: https://www.skool.com/barbaro360

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ #educationforlife #familylife #parentingtips #relationshiptips #personalfinance #lifecoaching #personalgrowth #lifecoaching

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Chapters:

00:00 Introduction to Bill Donaghy

01:29 Bill's Journey to the Theology of the Body

08:58 Understanding the Theology of the Body

12:29 Misconceptions About Sexuality

15:11 Living with a Mindset of Gift

20:28 The Balance Between Action and Presence

25:25 The Prodigal Son and Presence

29:22 Living the Theology of the Body

31:08 Teaching Theology to Children

32:57 Conversations on Abortion

39:55 Parenting: Balancing Control and Freedom

45:33 Hope and New Beginnings

50:07 Kinetic Frames Opener_720p.mp4

Theology of the Body

https://tobinstitute.org/author/billdonaghy/

Linkedin:

https://www.linkedin.com/in/billdonaghy/

Homeschool Connections

https://homeschoolconnections.com/instructors/bill-donaghy/

Have you ever felt like life is a maze that you can’t seem to navigate? 🤷‍♂️ Parenting, relationships, spirituality, health - it’s all overwhelming and there’s no clear map to guide you. 🗺️ But what if there was? 🤔

Welcome to the ‘Family Coaching’ podcast, where Gino and Julia help you navigate the complexities of life with ease and grace.

🎙️ We dive deep into the subtle nuances of relationships, offer advice for the joyous challenges of parenting, explore spirituality and provide practical tips for healthcare. 💑👨‍👩‍👧‍👦

🙏💊 Our approach is rooted in empathy and understanding, because let's face it, life is hard!

💪 Tune into our podcast for a refreshing take on navigating life's most complex challenges. It's like having a secret weapon in your back pocket. 🎧🔑 ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Join our free Skool community and connect with a fast-growing network of like-minded individuals: https://www.skool.com/barbaro360

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ #educationforlife #familylife #parentingtips #relationshiptips #personalfinance #lifecoaching #personalgrowth #lifecoaching

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Chapters:

00:00 Introduction to St. Thomas Aquinas

02:50 The Journey of Understanding Aquinas

05:30 Practical Applications of Aquinas' Teachings

08:26 The Nature of God and Simplicity

11:12 Aquinas and Moral Clarity in a Confusing World

14:14 The Historical Context of Aquinas

16:55 Personal Revelations from Studying Aquinas

19:51 The Role of Technology in Learning

22:31 Virtue and Its Importance

24:59 Understanding God Outside of Time

28:14 The Structure of Aquinas' Teachings

30:57 The Responsibility of Teaching Aquinas

33:25 The Impact of Aquinas on Family Conversations

36:20 Finding Goodness in All Things

38:56 The Unique Nature of Persons

41:56 Conclusion and Final Thoughts

Study the Summa YouTube Channel w/ Dave Palmer

Study the Summa with Dave Palmer - YouTube

St. Thomas Aquinas for Everyone Book (for parents teaching their kids beginning philosophy!)

St. Thomas Aquinas for Everyone: 30 Quick and Fun Lessons, Activities and Outdoor Adventures Based on the Summa Theologica (STAFE): Palmer, Dave: 9780692687567: Amazon.com: Books

GRN Academy classes through Guadalupe Radio Network (including classes I teach on parts of the Summa)

GRN Academy

Have you ever felt like life is a maze that you can’t seem to navigate? 🤷‍♂️ Parenting, relationships, spirituality, health - it’s all overwhelming and there’s no clear map to guide you. 🗺️ But what if there was? 🤔

Welcome to the ‘Family Coaching’ podcast, where Gino and Julia help you navigate the complexities of life with ease and grace.

🎙️ We dive deep into the subtle nuances of relationships, offer advice for the joyous challenges of parenting, explore spirituality and provide practical tips for healthcare. 💑👨‍👩‍👧‍👦

🙏💊 Our approach is rooted in empathy and understanding, because let's face it, life is hard!

💪 Tune into our podcast for a refreshing take on navigating life's most complex challenges. It's like having a secret weapon in your back pocket. 🎧🔑 ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Join our free Skool community and connect with a fast-growing network of like-minded individuals: https://www.skool.com/barbaro360

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ #educationforlife #familylife #parentingtips #relationshiptips #personalfinance #lifecoaching #personalgrowth #lifecoaching

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Chapters:

00:00 Introduction to Marriage Coaching

02:27 Understanding Relationship Dynamics

06:02 The Role of Therapy vs. Coaching

11:27 The Importance of Money in Relationships

18:24 Defining a Healthy Marriage

21:10 Understanding Each Other Through Connection

23:00 Navigating Resistance in Relationships

27:54 The Three Levels of Connection

34:15 The Importance of Connection in Parenting

34:46 Utilizing Technology for Relationship Growth

38:41 Final Thoughts on Marriage and Connection

Have you ever felt like life is a maze that you can’t seem to navigate? 🤷‍♂️ Parenting, relationships, spirituality, health - it’s all overwhelming and there’s no clear map to guide you. 🗺️ But what if there was? 🤔

Welcome to the ‘Family Coaching’ podcast, where Gino and Julia help you navigate the complexities of life with ease and grace.

🎙️ We dive deep into the subtle nuances of relationships, offer advice for the joyous challenges of parenting, explore spirituality and provide practical tips for healthcare. 💑👨‍👩‍👧‍👦

🙏💊 Our approach is rooted in empathy and understanding, because let's face it, life is hard!

💪 Tune into our podcast for a refreshing take on navigating life's most complex challenges. It's like having a secret weapon in your back pocket. 🎧🔑 ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Join our free Skool community and connect with a fast-growing network of like-minded individuals: https://www.skool.com/barbaro360

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ #educationforlife #familylife #parentingtips #relationshiptips #personalfinance #lifecoaching #personalgrowth #lifecoaching

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Takeaways

Build psychologically resilient children.

Create a family culture based on love.

Criticism should be ethical and constructive.

Timing and permission are key in criticism.

Meet children where they are in their development.

Have you ever felt like life is a maze that you can’t seem to navigate? 🤷‍♂️ Parenting, relationships, spirituality, health - it’s all overwhelming and there’s no clear map to guide you. 🗺️ But what if there was? 🤔

Welcome to the ‘Family Coaching’ podcast, where Gino and Julia help you navigate the complexities of life with ease and grace.

🎙️ We dive deep into the subtle nuances of relationships, offer advice for the joyous challenges of parenting, explore spirituality and provide practical tips for healthcare. 💑👨‍👩‍👧‍👦

🙏💊 Our approach is rooted in empathy and understanding, because let's face it, life is hard!

💪 Tune into our podcast for a refreshing take on navigating life's most complex challenges. It's like having a secret weapon in your back pocket. 🎧🔑 ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Join our free Skool community and connect with a fast-growing network of like-minded individuals: https://www.skool.com/barbaro360

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ #educationforlife #familylife #parentingtips #relationshiptips #personalfinance #lifecoaching #personalgrowth #lifecoaching

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Takeaways:

Jonathan Tuttle emphasizes the importance of challenging oneself in business.

Travel can be optimized for work and personal enjoyment.

Testing business ideas is crucial for success.

Persistence and iteration are key in marketing strategies.

Finding a niche can lead to greater success in podcasting.

Family offices require a long-term relationship-building approach.

Real estate offers tax benefits and passive income opportunities.

Effective podcast marketing requires a budget and strategic planning.

Networking and building trust are essential in high-net-worth circles.

The podcasting landscape is competitive, requiring innovative marketing techniques.

Have you ever felt like life is a maze that you can’t seem to navigate? 🤷‍♂️ Parenting, relationships, spirituality, health - it’s all overwhelming and there’s no clear map to guide you. 🗺️ But what if there was? 🤔

Welcome to the ‘Family Coaching’ podcast, where Gino and Julia help you navigate the complexities of life with ease and grace.

🎙️ We dive deep into the subtle nuances of relationships, offer advice for the joyous challenges of parenting, explore spirituality and provide practical tips for healthcare. 💑👨‍👩‍👧‍👦

🙏💊 Our approach is rooted in empathy and understanding, because let's face it, life is hard!

💪 Tune into our podcast for a refreshing take on navigating life's most complex challenges. It's like having a secret weapon in your back pocket. 🎧🔑 ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Join our free Skool community and connect with a fast-growing network of like-minded individuals: https://www.skool.com/barbaro360

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ #educationforlife #familylife #parentingtips #relationshiptips #personalfinance #lifecoaching #personalgrowth #lifecoaching

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On today's show, we sit down with Dennis Harhalakis, a Certified Money Coach and founder of Cambridge Money Coaching. After 30 years in corporate financial services, Dennis realized that while he knew everything about the math of money, he knew very little about the behavior behind it.

In this episode, we dive deep into why money is the #1 source of conflict for couples. Dennis explains that we aren't actually fighting about dollars and cents; we are fighting about values, safety, and childhood programming. We discuss how to move from judgment to curiosity, why "connection must come before solution," and the three specific pillars that make up your relationship with money.

If you have ever felt shame around your finances or struggle to communicate with your spouse about the budget, this episode will give you the compassion and tools you need to heal that relationship.

Key Takeaways-

✅ Money is a Story: A $100 bill is just paper; the value is a narrative. Similarly, your financial life is driven by the stories and beliefs you inherited from your parents.

✅ The Couples Trap: Arguments usually stem from one partner seeking Safety (Saving) and the other seeking Pleasure/Life (Spending). Both are valid psychological needs.

✅ Connection Before Solution: You cannot fix a budget problem until you understand the emotional need behind your partner's behavior.

✅ The 3 Parts of Money: Your relationship with money is actually: 1) What you believe about yourself, 2) What you believe about money, and 3) What you believe about money and yourself.

✅ The Tennis Analogy: If you want to get better at tennis, you hire a coach. Money is the one tool we use every day, yet we rarely seek coaching for the behavioral side of it.

Question for you: Be honest: When you think about your childhood, what is the main "money message" you received from your parents? (e.g., "Money is scarce," or "Don't talk about money"). Let us know in the comments!

Have you ever felt like life is a maze that you can’t seem to navigate? 🤷‍♂️ Parenting, relationships, spirituality, health - it’s all overwhelming and there’s no clear map to guide you. 🗺️ But what if there was? 🤔

Welcome to the ‘Family Coaching’ podcast, where Gino and Julia help you navigate the complexities of life with ease and grace.

🎙️ We dive deep into the subtle nuances of relationships, offer advice for the joyous challenges of parenting, explore spirituality and provide practical tips for healthcare. 💑👨‍👩‍👧‍👦

🙏💊 Our approach is rooted in empathy and understanding, because let's face it, life is hard!

💪 Tune into our podcast for a refreshing take on navigating life's most complex challenges. It's like having a secret weapon in your back pocket. 🎧🔑 ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Join our free Skool community and connect with a fast-growing network of like-minded individuals: https://www.skool.com/barbaro360

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ #educationforlife #familylife #parentingtips #relationshiptips #personalfinance #lifecoaching #personalgrowth #lifecoaching

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We dive deep into a topic that many couples struggle with but rarely discuss: Apologies. Did you know that just like love languages, we all have specific "Apology Languages"? Dr. Chapman breaks down why simply saying "I'm sorry" often isn't enough and shares the 5 specific ways people need to hear an apology to truly forgive.

We also discuss the power of unconditional love, how to navigate conflict without destroying your marriage, and Dr. Chapman’s incredible new book, The Most Important Love Language. Whether you are newlyweds or have been married for decades, this conversation is packed with wisdom to help you build a deeper, lasting connection.

Key Takeaways:

✅ The "I'm Sorry" Trap: Why saying "I'm sorry" might actually annoy your spouse if it's not their apology language.

✅ The 5 Apology Languages: A breakdown of the five distinct ways to apologize effectively (Expressing Regret, Accepting Responsibility, Making Restitution, Genuinely Repenting, and Requesting Forgiveness).

✅ Influence vs. Control: How to positively influence a spouse who refuses to go to counseling or read relationship books.

✅ Healthy Conflict: Why arguing isn't bad for your marriage—if you do it the right way.

✅ Purpose Over Popularity: Dr. Chapman’s inspiring philosophy on serving the people right in front of you, regardless of the crowd size.

Let's Connect!

Question of the Day: Which of the 5 Apology Languages resonates most with you? Do you need to hear "I was wrong," or do you prefer to see a change in behavior? Let us know in the comments below! 👇

Have you ever felt like life is a maze that you can’t seem to navigate? 🤷‍♂️ Parenting, relationships, spirituality, health - it’s all overwhelming and there’s no clear map to guide you. 🗺️ But what if there was? 🤔

Welcome to the ‘Family Coaching’ podcast, where Gino and Julia help you navigate the complexities of life with ease and grace.

🎙️ We dive deep into the subtle nuances of relationships, offer advice for the joyous challenges of parenting, explore spirituality and provide practical tips for healthcare. 💑👨‍👩‍👧‍👦

🙏💊 Our approach is rooted in empathy and understanding, because let's face it, life is hard!

💪 Tune into our podcast for a refreshing take on navigating life's most complex challenges. It's like having a secret weapon in your back pocket. 🎧🔑 ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Join our free Skool community and connect with a fast-growing network of like-minded individuals: https://www.skool.com/barbaro360

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ #educationforlife #familylife #parentingtips #relationshiptips #personalfinance #lifecoaching #personalgrowth #lifecoaching

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.