With kids we know its not what's taught ... but what is caught ... and what they are catching from as early as 3 years old around money will create the foundation of their relationship with it for life.

In this episode, I sit down with financial educator and former school district leader Emily Holthaus, founder of Raising Little Millionaires, to unpack how we can teach kids as young as three years old the lifelong skills of financial literacy, delayed gratification, and values-based money habits—no finance degree required.

Whether you're a mom, auntie, teacher, or just someone who wants to clean up your own money mindset while breaking generational cycles, this episode is full of aha moments, grace-filled permission slips, and tangible tools to start today.

We talk about:

• The Four Jar Method that teaches budgeting basics to littles
• Why "split it before you spend it" is a great habit to adopt
• How to navigate over-gifting grandparents, meltdowns in the toy isle, and social media pressure
• The surprising reason delayed gratification is a skill, not a personality trait
• How to raise kids who live a choice-filled life—even IF your own finances are still a work in progress

From hilarious real-life stories to eye-opening education insights, this one will have you saying "me too" more than once. Grab your coffee, your notes app, and maybe a set of jars—because you're going to want to start this today.

Connect w/ Emily:

Website: https://www.raisinglittlemillionaires.com

Instagram: https://www.instagram.com/raisinglittlemillionaires

Book: Raising Little Millionaires: A Parent’s Guide to Teaching Kids Money Habits from Ages 3–18.

https://www.raisinglittlemillionaires.com/ebook

Feel like you need to dive into some Money Mindset books for yourself?

Join our All Things Excellence The Book Club for new growth book recommendations that come with 10-15 minute cliff note recordings and an entire community to discuss them.

www.chelseydbc.com/bookclub