Hey you guys! I'm so excited about this episode.
We all know when it comes to kids,
they don't come with an instruction manual.
They can't always articulate exactly what they want,
but as parents we all want to raise them to be happy,
healthy, and successful.
But how exactly do we do that in today's society?
Well stay tuned because today I'm going to tell you
how to raise good kids without breaking the bank.
This is The Rachel Cruze Show.
(upbeat music)
Hey, you guys, welcome to this episode
of The Rachel Cruze Show.
Today we're going to be talking about raising kids
at every stage of life,
and I'm bringing on parenting expert and my dear friend,
Dr. Meg Meeker.
But first since it's Father's Day,
it's like right around the corner,
I thought it'd be so fun to bring my father,
my dad, on the show, Dave Ramsey.
Thanks for being here.
- I'm honored, this is The Rachel Cruze Show.
- I know isn't it huge and fun?
- It's a big deal. - It's so fun, it's so fun.
- Got your own coffee cup, you're a big deal.
- Oh do I ever!
I'm like so excited about it.
So, tell me this, as a dad,
when you look back at raising us three kids,
'cause those of you that don't know,
I have an older sister, a younger brother.
Around the time when especially my sister and I were young
is when you and mom were filing for bankruptcy,
I mean that whole thing was kind of falling apart.
Talk to me about that season of life.
How did you get through that struggle
when you were raising kids?
- We were just worried that we could keep you warm and fed.
We really weren't necessarily concerned
about your emotional well-being.
We were just trying to survive.
We didn't throw emotional stuff on you guys,
like scare you to death or something.
You were of course a baby,
but we didn't run around the house going,
we're losing our home, we're losing our home!
- Foreclosure is right around the corner!
- It wasn't like a bad movie or something.
But that was going on, and so you just gotta deal with that,
and then how to protect you guys but also walk you through
whatever the realities of those things are.
- That made me think, parents ask me a lot,
so how do I talk to my kids about my mistakes?
How do you feel like you and mom did that?
I have my perspective,
but were you guys intentional with that?
'Cause I think that's something
that's so important with parents,
when you're teaching your kids about money,
with the mistakes and that was a huge mistake,
I mean you guys went into debt and filed for bankruptcy.
How do you feel like you shared those mistakes well with us?
- I think we shared what we did that caused that.
The mistake was we went into debt,
the mistake was we built a house of cards,
we were trying to get rich quick.
The mistake was that we didn't have a plan.
The mistake was we weren't steadily and regularly giving,
the mistake was, and so the tactical things that caused
the overall meltdown,
we didn't say the mistake was the bankruptcy,
no it's the things that led to that
that were the individual mistakes.
And so they become little one-off, nuanced lessons
rather than this big overwhelming melodrama lesson.
Now when I'm on stage talking to an audience,
I want the melodrama lesson for everybody to connect
and go: Oh that guy's done stupid, he knows how it feels.
I put that whole out thing out there then,
but when you're dealing with a child in there,
I'm just dealing with, okay, this is why we don't do debt,
'cause we did it one time,
this is why we do a budget 'cause we didn't do that one time
and here's, and you nuance off of that.
- Yeah that's so good.
So after the bankruptcy, you started finding your way
very organically about helping people
manage their money wealth via your mistakes.
Financial Peace University was kind of taking off,
you were on the radio show,
you were traveling for live events,
so I'm curious, your kind of work-life balance,
and how you did it all as a dad.
'Cause a lot of moms, we talk about this a lot with women,
like how do you do it all, how do you raise kids,
and work and all that?
But I'm curious from a dad's perspective,
when you look back, how did you do it all?
- I think you don't.
In a given period of time.
This idea that in a given day,
you're perfectly balanced and you have exercise,
and prayer time, and children time, and spouse time,
and work time, and everyday has a perfect little template,
that's just a load of garbage.
People don't live their lives that way.
That's just crap.
- I knew you were gonna say,
I was I think he's gonna say crap.
And you did.
- Well it is, I mean, it is.
So what happens is in a given moment,
you're training for something.
You've got little kids, you got little kids,
it's all hands on deck.
The season has changed and when we were starting a business,
and trying to survive,
even with you all little, there was a season where,
that's what I did.
It really wasn't optional.
Much like a military family where dad is deployed,
or mom is deployed overseas.
They're gone for eight months.
What do you do?
You deal with it.
But it's not forever,
like when we got ready to go on book tour the first time,
I was gone six weeks.
I mean that's a long time with little kids in the house.
And we told you guys, this is what we're doing,
we're paying a price to win,
and when we get back from book tour,
we're going to Disney World.
It's like not here but then all here and celebrate,
and so there's a rhythm to that,
the tide coming in, the tide going out,
and that's how you achieve balance
over the scope of your life, not in a given month or year.
But if you go on for the whole scope
of your life as a workaholic, you lose your family.
- Right, right, well I think that's so good.
And Christy Wright, it's one of my favorite quotes she says,
I say it all the time, is:
Life-balance is not about being 50/50,
it's about being 100% present.
And those are some of my favorite memories with you,
because I think people ask me a lot,
well you had a dad that was gone a lot
and traveled all the time, how did you deal with that?
And I was like, I don't know,
I think kids are more resilient
than we give them credit for,
and the times you were present,
you were present and granted that was before
the day of iPhones and all that but you really were.
You were present with us as kids and so I think that's huge,
and being at the important things, right?
- We scheduled live events around
Daniel's hockey schedule when he was playing hockey as a kid
or your games when you were cheerleading,
or proms or birthdays.
- A middle school cheerleader, very exciting.
- I was at the game though.
- I know, it's just pitiful.
- She was a climber, she got up on, she was a little one—
- I was a flyer. - She got up on top.
A flyer, that's right.
A climber and a flyer.
You have to climb before you fly.
- So those are some of my favorite memories.
So I'm curious from you, are there moments in parenting,
or maybe this could be a principle idea,
or a specific memory of a time that you were like,
yes, that was good, like I felt as a parent,
'cause I have those with Amelia now,
where she said yes ma'am the other day,
without me having to say, say yes ma'am, she said it,
and I was like, I won!
Like I won, it's the small victories!
- I think there's a bunch of them but they're all like
you're talking about with Amelia,
they all fall under the category of
you're standing there with your shoulders square
at 13 years old and you actually walk through logically,
a critical thought process
and came to the correct conclusion.
And we're like, this one's not gonna live in the basement.
Thank you Lord. You know, it's like, this one's gonna make it!
Those moments where you go, wow, they just did that,
that kind of a thing.
The other thing, our friend Meg's gonna be on
a little bit later but I heard her say this the other day,
I hadn't thought about 'til she said it, but it does work.
What you do with your kids expands in their minds.
I heard from a guy named Josh McDowell back in the day,
to date your daughters.
Take your little daughters out on date, dress 'em up,
and take 'em to a fancy restaurant.
I did that like three times, ever.
If you ask them, they're like,
my dad took me out on dates all the time.
- We did say that. - And I didn't.
I didn't, it was like, three times.
But I mean I got credit for a lot more
than I actually did. - But it magnifies so much.
- The same thing was true, we talk about
how to pay commissions,
on the chores.
We would sit down on Sunday night and do the chores.
Well we would go like six weeks without paying them.
- This is true. - 'Cause we were just busy,
we forget about it, we're at church, we're tired,
they're gripey, I don't wanna deal with them,
whatever it is.
- But then it was like jackpot.
- But then we would do it and it's like,
in their minds, every Sunday night was payday.
They got paid every Sunday night.
Well they really didn't.
We made up for it, we didn't steal the money from 'em.
- It's so true though because I remember,
writing "Smart Money Smart Kids" with you, the book, and
I was going through writing it and I was like yeah,
every Sunday night and then I was like, wait,
did we every Sunday night?
'Cause in my mind we really did,
and then as you were talking about,
you were like: Oh we skipped like two months one time.
No it was not every week.
We tried to be consistent, but it wasn't.
So yeah that's so true.
Things have just magnified. - But the principles,
principles are still there.
You're gonna work, you're gonna give, you're gonna save,
and you're gonna spend.
But the payday on Sunday night thing,
it expands in a kid's mind when you do something right.
You get more credit than you deserve.
- I'm curious a time when you look back on your parenting,
you're like, eh.
- We found out later some of the stuff you guys did
in high school that we didn't know.
So apparently letting you go to some of these parties
with your friends we trusted was a really bad idea.
We didn't know this at the time.
We thought they were nice little kids but what they were
was like little Eddie Haskells they were running around with.
If you don't who that is— - Who's Eddie Haskell?
- That's the guy who fakes it on "Leave It to Beaver."
He's the kid who acts like he's,
he acts like he's, yes Mrs. Cleaver.
She had some of those running around but they were little
party animals and misled my angel children.
- It's all their fault. - Yeah right.
But anyway, so that apparently,
we shouldn't have let you go to some of those parties.
The one time I remember was just funny.
We'll throw your sister under the bus.
One of the first times we ever left her,
your older sister to babysit the other two,
and we thought she was ready.
She had actually babysat other people's kids,
so we thought well, we're gonna go out to eat,
I'm not paying anybody, put this kid in charge.
We get a call from drama here about halfway through the meal
and apparently the natives are restless back at the house,
there's been a mutiny on the bounty,
there's been an uprising,
a revolution has occurred in the Ramsey household,
'cause apparently my oldest daughter decided
not only was she in charge but they all had to do exactly,
to the penny, what she wanted them to do.
- And she took the wooden spoon out 'cause she was gonna—
- She was gonna whip 'em. - She was gonna discipline us!
And I do remember that.
- Yeah, so we had to come home and—
- We came out screaming, we were like: Mom, Dad! Denise is crazy!
- Take the drill sergeant out of control
of the other drama children.
It didn't work at all. It was bad.
- That's so true, that's so funny.
- Not ready for primetime.
- That's a good one, that's so good.
So one of my favorite segments we do on the show is called
Real Life with Rachel, so I thought you'd join me for this,
Real Life with Rachel.
(upbeat piano music)
So I was thinking of Real Life with Rachel, of moments
and memories with you where I was like,
oh yeah this was so fun and so great.
I have a couple in my mind.
But overall one of my favorite themes
that you plugged into our childhood
is anytime there was immediate danger
or something like really bad was about to happen,
dad would look at us be like:
it's okay guys, it's a dad adventure.
Like we got four flat tires on the interstate,
don't worry it's a dad adventure.
The lake, this is the one that probably
is the most scarring to me.
We went out on the boat, and we were like,
I don't know, how old were we?
Young? - Daniel was asleep
in a carrier up under the front.
- Oh dear goodness.
Horrible, horrible.
So we're on the boat, and this huge storm over, you see it,
and it's like (mimics thunder) and it's coming,
Dave's like: Ah, ski a few more rounds guys!
The lightening's not here yet.
So we're like, and it's like literally on us,
and you're like: Okay get in the boat, get in the boat!
You start driving, I mean it feels like it's a hurricane
in this lake.
We're in the middle of the lake,
it's just lightening and thunder
and the thing that scared me the most is,
you looked at us and you're like: Put on your life jackets,
'cause at that point I think we could all swim,
and we didn't always wear the life jackets in the boat,
don't get mad at us but we didn't.
You're like put on the life jackets and I was like,
oh my god we're gonna die.
And we had to go under 'cause the rain hits you so fast
when you're driving fast on a boat, like little needles,
and finally you had to pull off, okay you take it from here,
'cause I think I blacked out after this.
It was so horrible.
You had to pull the boat over and we had to get out,
remember that?
- So it was raining.
- No it was a storm!
It was a really bad storm.
- I think it lightening'd twice and so,
lightening on the lake is dangerous
so you don't sit in the middle of the lake
when it's lightening.
We just pulled over to the side while it was raining.
But it was apparently a big deal.
So yeah, we just pulled up on the side, and I just
stood out in the rain, held the boat—
- No with a rope and it's like,
and mom has to take us up. - There were waves,
because there was wind.
- Yes and mom had to take us up in the woods,
and I remember I looked over and you were like,
and we were crying, I mean it was like really scary.
I remember you were just like, it's okay guys!
It's a dad adventure!
We're like oh my gosh.
- It's like a John Candy movie.
(laughter)
- So, if scary things happen to your kids,
just don't freak out, just say it's an adventure,
and then it'll be great.
- Like the time we were skiing
and you climbed up on your cousin's shoulders
and you fell off?
- Yes, another dad adventure.
I ended up in a hospital. - She hit her head on the skis.
I don't how you can fall off of somebody's shoulders
and still go straight down— - I didn't fall off.
He fell and then I fell. - And hit the ski,
yeah, she fell.
And hit her head— - He fell.
- Right on the skis, of course, five staples in the head
or whatever— - Ended up in the hospital.
- And her mother's mad at me, it was my fault she fell.
I don't know, it's a dad adventure.
- Oh dad adventures.
Good memories and scarring all at the same time.
But we've got a great show coming up today.
I reached out to my Facebook community for some questions
about raising kids that my friend Meg Meeker will answer,
but first since I just had my second baby, little Caroline,
I know there's things around the house
that when they're babies that you really don't need.
Let's be honest, like, did we ever have a wipe warmer?
- A what? - Okay exactly.
So there are things that you don't need.
Let's head over to my house 'cause I want to give you
four practical things that you need when you have a baby,
and four things that are just a waste of money.
(upbeat music)
All right, like I said before, there are a lot of things
that new mothers can waste their money on.
So, we're gonna talk about four things, new moms,
you really don't need.
This is gonna be kinda controversial
but I'm excited about it!
So comment below on things that you're like,
Rachel, you are so wrong, 'cause I'm okay, I can take it.
I think you do not need a wipe warmer.
Listen, that baby is gonna be okay if their little wipes
are not warm, okay?
Now if you get this at a baby shower and you love it,
and you wanna keep it, that's fine, whatever.
Just don't go buy one, you really do not need a wipe warmer.
You also don't need a Diaper Genie.
My sister's like yelling at me right now.
I can feel it, she's like Rachel I love my Diaper Genie!
Listen, I know people love 'em, if you love it,
whatever, it's great, you just really don't need one.
'Cause especially in the newborn stage,
their poop and pee it doesn't smell.
Throw it in a Publix plastic grocery bag,
take it out everyday, and it's fine.
You don't need a Diaper Genie.
You also don't need expensive baby clothes.
Your baby is gonna grow out of that outfit,
like right now, like it's already grown out
of whatever outfit you've put it in.
It goes so fast, it's crazy, time flies, they grow quickly.
You don't need to waste money on expensive clothes.
You also don't need to waste money on baby shoes.
Listen, some people love a good pair of shoes for their baby
and that's fine if that's your thing, go girl.
But you don't need it because your child, your baby,
is not walking.
They don't need shoes.
It's like one of those weird quirks that I feel like
people have when they look at other people's babies.
They don't judge but they're like oh I do that differently.
Mine is baby shoes.
I see these like three-day-olds with Nikes on and I'm like,
that three-day-old baby does not need
a pair of Nikes on them.
Give them a little pair of socks and they're gonna be okay.
Now there are some things that you do need,
and here are the four things that I love the most.
Number one, a sleep sack.
Man, this thing saved us so many nights.
When your baby is born, they're coming out of a womb,
where they're all like snug and all this,
and then they come out in the world and they're like,
I don't know what to do with my hands.
So what you do is you wrap them up in this thing at night
and it keeps them all snug, I swear it, they sleep so well
when they're all snug.
Now the first week you can do like one of those
cute swaddle blankets.
After a week that baby's busting out of that blanket
and you need Velcro, which is what we got here.
So a sleep sack is great.
This is like around $20.
I actually opted and bought one a little bit more expensive
as well from Pottery Barn Kids,
'cause I always like my favorite,
I loved the one from Pottery Barn, it worked the best.
Also a Rock 'n Play.
This thing saved us as well because when your infant
baby, when they're sleeping, they're not moving around.
So when you go over to a friend's house
or you're maybe out of town,
instead of taking the big Pack 'n Play that you probably got
which I love too,
but you don't need that in the infant stage.
This thing you just set 'em right in,
they sleep all snug in it and it's great.
I can even remember with Amelia,
she was like three weeks old or something and got a cold,
so we were in the doctor's office like everyday for a week.
We were like: What do we do, what do we do?
And I do remember my pediatrician said,
well if you have a Rock 'n Play, you can put her in that
and it rocks so you can kind of tilt it up,
and put some stuff under it so that way
she kinda sleeps at an angle.
So that was great for us too.
Rock 'n Play, love, again, around $50 depending on
what kind you get.
Also Aquaphor.
The mother of all goodness.
I love Aquaphor.
This heals diaper rash, if they have a little dry spot
on their skin you can put that on there,
and even as a mom and your lips are chapped from that
humidifier you have going in the nursery,
you just (mimics dotting) it's great, it's fantastic.
Depending on the size, I mean this was like $10
or something, depending on what size you get.
Amazon some Aquaphor if you haven't already,
new moms, it's the best.
And also the most important thing that you need
to take care of in the infant stage
is having term life insurance.
With all the things new parents have going on,
it's not usually something most people think about needing
but it is so important.
Even if you're just thinking about starting a family.
And it isn't something only parents
who work outside the home need,
and if one parent stays home,
you need to make sure you have
life insurance for both parents.
In fact salary.com estimates
if a typical stay-at-home mom actually got paid
for the work she did around the house for her family,
she would be paid over a $100,000.
$100,000, yeah.
Now that depends on where you live
and how many kids you have, but let's be honest,
stay-at-home parents do a lot for their families too.
Bottom line, if you have a family, you need to make sure
your loved ones are protected.
Winston and I personally love working with Zander Insurance
and can tell you they're totally in our corner.
They help shop the best rates and make sure we're getting
the right amount of coverage our family needs.
So go to zander.com or click the link
in the description below to get started on a quote today.
As always you can find out more on my website,
under Rachel Recommends.
Well I hope some of you new parents found that stuff helpful,
and remember the stuff you don't need, don't buy it.
It is a waste of money.
Now I'm here with pediatrician, mother and grandmother,
- Yes. - Grandmother.
- Grandmother, five grand babies.
- Five grand babies, Dr. Meg Meeker.
She's one of my favorite people in the world.
Meg has practiced pediatric and adolescent medicine
for over 30 years.
She's the author of six books.
Meg, thank you so much for being here.
- Thanks for having me Rachel.
- This is so fun, and your book,
"Strong Fathers, Strong Daughters," I have to say,
Winston and I are like obsessed.
And I'm not a father obviously, but it is so good.
- But it's a book for moms too because it talks about
a woman's heart, a girl's heart, a daughter's heart.
- Oh it's so good.
So I went out to our Facebook community and asked them:
Hey guys, give me questions for Dr. Meg Meeker
'cause you're gonna be here,
so we're gonna go to those questions.
So Britni asks, "How do you raise only one child
when there is no village?
Small family, no cousins around his age,
not a lot of help in terms of babysitting
and giving parents a break."
- I think that it's really important, particularly
if you have one child, to go out and make an effort
at making two or three really good close girlfriends
and then help each other out.
Because inevitably something tough is gonna happen
that you're gonna need to deal with.
Your kids are gonna get sick, you're gonna have
a situation. - So good, and I found even
like with my friends,
some of them even have kids older than mine.
Like they're in a different season even.
but I still can be like, am I crazy?
And I'll tell them the situation and they're like, you're not crazy,
it's normal, it kind of like, your sanity goes down.
- And you have to have women friends to do that.
You really do because it's hard to go to your husband
and say, am I crazy?
You don't want to ask that. - He may be like: yes.
- My girlfriends and I used to have something called
the mom squad and there were four of us,
and we all got to know each other's kids really well.
We decided that we were gonna have some rules on household,
movies, dating, different kinds of things.
- You all agreed on?
- We all agreed on, and we were gonna support each other
and it really helped my kids, they told me later in life,
to know there were other adults who thought the same way
and had the same rules and didn't want their kids playing
video games hour after hour after hour.
I wasn't just the only strict kind-of-crazy mom.
- Especially Britni, when she says I don't have a village,
we just start it so soon too even with toddlers
because of that kind of thing just escalates and magnifies
as it goes on which I love.
Speaking of toddlers, question for you, selfishly,
since I have a toddler,
that one of the downfalls that I do
and I know I shouldn't do it but some days
I get home from work and she's like,
I want to watch "Princess Sofia" or whatever the thing is,
and I'm like okay watch one episode for 24 minutes,
I'll finish checking email and then we're gonna be done.
But I'm just exhausted and sometimes it's kind of a relief,
which I hate, and so we really try to minimize screen time,
but my question for you is,
as a pediatrician what's the appropriate amount
of screen time for a child?
- Right, well first of all I wouldn't beat yourself up.
You're trying to survive.
- Thank you. Yes I am, Meg. - Please.
And I think that if you're kind to yourself,
you know sometimes we treat ourselves
far worse than we would ever treat another human being.
First half hour I'm home,
I need to transition and the best way for me to transition
is to check my emails or whatever.
I'm gonna give myself a half hour.
And during that half hour it's perfectly fine
to let my daughter watch some shows that I approve of.
And then when it's done, then we move on to the next thing.
Figure out what works best for you.
For a toddler, absolutely no more than an hour a day.
- That's good, that's so good.
So an hour a day, toddlers, moms out there, it's huge.
Okay so moving on to more middle school aged kids,
Kirstin asks, "How do you get siblings to stop fighting
with each other?"
- Kirstin, if you figure it out, write it.
(laughter)
You know, siblings are naturally competitive
with one another.
While we all want to think our children are born
with angelic hearts and would never think a mean thought,
or want to eat anything with sugar in it,
well that's just not true.
Kids can be mean, and kids can be mean to their siblings,
because they know their siblings can't go anywhere.
So this is what I recommend doing.
Rather than saying no to your kids all day long,
pick one behavior that each child does that's most offensive
to the other kids.
You sit the child down and say: You know, I've noticed
with your sister, this is what you're doing a lot,
and it's a bad habit so I'm gonna help you break the habit.
Here's how I'm gonna help you train yourself
to break your habit because I've learned to break bad habits
'cause I have bad habits too.
So this is what we're gonna do and then you come up
with a reward system.
Every day you go by without yelling at your sister
or hitting your sister,
I would give 'em a week's worth,
they have to do it for a whole week,
and then the reward at the end.
The older the child,
the longer you can delay the gratification.
There's nothing wrong with a reward system.
Second way you can really interrupt that
is play a game and have the kids at the dinner table
say one nice thing about each person at the table.
- That's good.
- And the most fun things come out of their mouths.
- I feel like that's a good memory too.
- It's a great memory and they giggle
and they don't want to do it and then they get mad.
But you gotta do it, that's what it's gonna be.
Keep it really simple and over the years,
it works, it doesn't work in a week,
and it doesn't work in a month.
- I think that's such an important foundation
even as an adult 'cause what you speak,
even Scripture talk about this,
your words, you're talking about,
I mean it's a powerful weapon that can really do damage,
so when you start to learn to speak
kindly to people in general,
as an adult, that habit that's in you is so huge too.
- The way you talk affects the way you think,
which affects your behavior.
If kids grow up in a home where they never hear "shut up"
or screaming,
when they hear it they're gonna stand back and go,
I'm not used to that.
And a lot of parents slip up, and I hear a lot of parents
speak very poorly to their kids.
They let their temper run or they use foul language,
and then they're upset when their kids are doing it.
Well you can't do that.
- Jeni asks, "How do you actually get your kids to do chores
around the house?"
I have my thoughts Meg, I want yours first though.
- I think the most important thing to do 'cause it can be
very frustrating for mothers in particular,
because kids when they don't want to do their chores,
they don't want to do anything they want,
they draw you into an argument.
And most mothers take the bait.
We start arguing with our kids
on why they should be doing what we're telling them to do.
Never do that.
When your child is drawing you into an argument,
don't take the bait.
Depersonalize it, say wait a minute,
you know what, here's the deal.
I'm the one who makes the list of chores.
If you do your chores, this is what you get.
Your dad said, he gives you a percentage of your allowance
or something?
- Not allowance but commission.
- Commission. - Do the work, you get paid.
- I've never heard of a parent
who pays their kids commission.
Dave Ramsey would.
Only Dave.
Only Dave would do that.
And so you reward them well.
At the same time if they don't do their chores,
the consequences are steep.
This is where parents fall down, particularly moms.
They don't want to implement consequences and Rachel,
mothers train kids how to treat them.
We train people how to treat us.
- Amen. - So if we're being
talked down to and our kids are criticizing us,
we are accepting that and we're training that.
- Yeah and it's a big thing 'cause I get parents asking me,
especially with the chore stuff,
so do I make my kids, 'cause we tell people,
do the commission system if they work, they get paid,
if they don't work, they don't get paid.
So part of their consequence in not doing the chores,
is that they're not getting paid,
but over time parents say,
well my kid's not motivated by money,
do I still make them do the chore?
And I think about Andy Andrews, where he said:
You're not just trying to raise good kids,
you're trying to raise kids to become good adults.
- [Meg] Exactly.
- And you make them brush their teeth,
you make them do their homework, you make them work.
And if they don't after a while, it is,
and I say it's disobedience and it's true.
They're just clearly defying you
and just because they get paid or not
at that point money's off the table.
If it's been like a week or two of this,
I'm sorry, kid, you're just not listening to me.
- Kids need to know how to work, and I talk about this
in my discipline class.
They need to know what self-control is about.
Because you need self-control in every aspect of life
in order to succeed. It's work.
- The simple fact of they're doing something they accomplish
like even when they're young, they learn to accomplish,
so they have a goal they're setting out,
and it's all in that rhythm so I think that's so good.
- And kids, when they're grown up,
wear work and chores when they're younger
as a badge of honor.
My parents made me do chores when I was 8,
and my parents made me do chores when I was 12,
and they puff up when they say it, it's a badge of honor.
- Yeah that's so good and if you parents out there need
practical information on how to implement this
with your kids, check out Financial Peace Junior.
It's a great tool that really helps
with this whole thing we're talking about with chores
and working and all of it.
And Meg you have a ton of free info and content and everything,
so tell us about that.
- Yeah, I really encourage people
to go to megmeekermd.com/rachel.
Because we are offering your audience 20% off
my new Discipline with Courage and Kindness course,
which I love and we have a lot of other stuff
that I'd really like to just give your listeners.
megmeekermd.com/rachel.
- Thank you so, so much for coming in, and guys,
make sure to check out that website for more information.
(upbeat music)
You guys, was she not just amazing?
Seriously one of the best people on Earth, I love her.
Okay now it is my favorite time of the show.
#sheworkshardsavingmoney
Today I'm even more pumped, because it's a kid edition!
Yes, you guys sent in the things that your kids
have saved up for and it's just precious.
I can't wait for you to hear.
Michelle said that her kids are saving up for a waterpark
hotel weekend and she's about halfway there.
Jennifer said, my 16 year old bought his first car
and just bought a new iPhone.
Dang Jen, bringing in the bank, amazing.
Gina said, my 10-year-old daughter sold her
American Girl doll, aw, and some other toys on eBay, but,
she made $123.50.
She spent about $25 of it but is saving the rest.
Simone says that her kid is saving up
for a slushy at Target.
Aren't we all?
And Christian's kids saved up for big LEGO kits
and a Barbie dreamhouse.
You guys, seriously, this is so much fun.
I love getting these in, so don't forget to post!
Post your videos, your tweets, your pictures,
all of it with the hashtag: #sheworkshardsavingmoney
And we like you guys too, so men, you can post as well,
but we kinda like the shes too, you know,
you know what I'm saying.
All right this episode was so much fun.
I loved talking with my dad, always a great time.
I love that I was able to show you things that you really
don't need when you're having a newborn,
and some inexpensive things that you do need.
Also Meg, just amazing as always,
and I love that she really hones in on the parenting things
that don't cost a lot of money, right?
It's all about the time you spend with your kids,
the discipline, all of the above, it's so great.
So to get started on raising good kids
in a way that won't break the bank,
click the link in the description below.
Also make sure that you tune in in two weeks
for the next episode of The Rachel Cruze Show,
where we'll be talking about things that are "normal"
but they're costing you.
So you guys thanks again so much for watching this episode,
and remember, to take control of your money,
and create a life you love.
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