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Teaching Your Teen To Be Money Smart


31067204 - father and teenage daughter looking at laptop together

When our children were teenagers, we learned that the key to successfully teaching them the biblical perspective of money making and God’s way of money management was to be MVP parents!

The M stands for Modeling, the V stands for Verbally communicating what the Bible says, and the P stands for Practical opportunities for the teens to actually apply what they are learning

Let’s look at money making. The Bible encourages us to work hard. Ecclesiastes 9:10 says, “Whatever your hands finds to do, do it with all your might.” And laziness is condemned: “He who is slack in his work is brother to him who steals” (Proverbs 18:9). So, how can parents teach their teens to work hard

  • Parents need to be models of hard work themselves because what we do is more impactful than what we say.
  • Assign kids daily household chores to teach faithfulness with routine responsibilities.
  • Provide them opportunities to earn extra money at home, and encourage children to work for others to learn what it means to be in an employee—employer relationship.
  • Requiring your teen work at least one summer in something requiring hard labor is very beneficial. I’ll never forget working one Florida summer in a lumber yard & cement block, and learning what it really meant to work hard.

When it comes to money management, it’s super important for teens to understand that God owns all they have, and they are to be faithful managers of whatever the Lord entrusts to them. They need to learn that Saving is good, Debt is bad, Giving is fun, and they shouldn’t get caught up in impulsively spending money on things they don’t need.

Also teach them how to use a spending plan, a budget. is an online system that’s free and would get place for them to start.

To check out our Give, Save, Spend online study for teens click here-

To find a good spending plan/budget for your teen click here-

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A Day in The Life

Dear Friends,

We’re new to our neighborhood and soon after moving I met our next door neighbor. As we were getting to know each other, he said something that caught me off guard: “When I saw you playing with your granddaughter one morning, I just assumed that you were retired.” Retired? I have the amazing privilege of serving Christ by working 50-hour weeks as a volunteer for Compass. . . and love it!

Think About it.

Just what does the Bible say about retirement and ceasing all labor to pursue a life filled with leisure? Not much and nothing good! Numbers 8:24-26 contains the only reference to retirement in the Bible and applied specifically to the Levites working in the tabernacle. So, if you’re a Levite working on the tabernacle the rest of this section doesn’t apply to you. But if you’re not, read on…lol.

While people are physically and mentally capable, there is no scriptural basis for retiring and becoming unproductive. Don’t let age stop you from finishing the work God has called
you to accomplish. He’ll provide you with the necessary strength and mental clarity. Remember Moses. He was 80 years old when he began his 40-year adventure of leading the children of Israel.

The Bible does imply, however, that the type or intensity of work may change as we grow older—shifting gears to a less demanding pace to become more of an “elder seated at the gate.” During this season of life we can use the experience and wisdom gained over a lifetime.

When I counsel young adults, I routinely encourage them to begin praying for the Lord to place on their hearts the work that He has for them after finishing their careers. And I want to encourage you to do the same.

Typical week.

So, what’s a typical week look like for me? Let me break it down into time with Lord, time with family, time with friends, time staying in shape, and time working on Compass.

Time with Lord: I’m an early to bed and early to rise guy (unlike my bride of 40 years). To bed by 9-10 and up by 4-5. The first part of the day is spent in God’s word and praying. I try to walk an hour 6 days a week and also use that as a time of prayer.

Time with Bev and family: I love hanging out with Bev and our family. Our son Matt, his wife Michelle and grand baby Taliyah live about 5 minutes from us so we often spend time with them. Daughter Danielle and her husband Kyle live 90 minutes away and we treasure our times with them.

Time with friends: On average, I’ll have a couple of meals a week with friends getting caught up and connecting with others by phone.

Time getting in shape: In addition to walking, I work out a gym three times a week. It’s one of those places used by serious weight lifters . . . . and then there’s me. Their arms are bigger than my chest!

Time with Compass: My week is filled with calls with the Compass team Monday mornings, radio recording Tuesdays, writing, interfacing with our team, and traveling for Compass. I wake up every day with more to do than I can do. It can only get done well if Jesus Christ shows up and does it. Isn’t that what life is all about? Walking with Jesus, enjoying His presence and completing the work He’s called us to do. Jesus Himself said, “I glorified you [God the Father] on the earth, having accomplished the work which you gave me to do” (John 17:4).

Warmly in Christ,


Howard Dayton is the Founder and CEO, Compass – finances God’s way. For more information about Howard, please click HERE.