Last month, my son asked me for $20 to buy a new game skin. I told him, “You have two options. One: you get $20 now, and that’s it. Two: you let me hold it for a month, and I’ll give you $22 back.” He laughed and said, “Dad, that’s only $2 more.” Exactly. But then I asked him to imagine if he kept doing this, month after month, for years — with bigger amounts. We sat at the kitchen table, pulled out my laptop, and ran a compound interest calculator together. His eyes got wide. The best part? He chose option two. A month later, I gave him the $22, and he decided to “reinvest” it with me instead of spending it. Now, every time he gets allowance, he asks about “the growth rate.” Teaching kids about money doesn’t have to be a lecture. It can be as simple as turning $20 into a real-life lesson. And honestly? I wish someone had done this for me when I was 12. #Finance #Family #MakeMoney #PersonalFinance #Parenting