Imagine living in a house with electricity and plumbing but no one every showed you how to plug something in or turn on the faucet. You are living in the dark, have no running water to drink, cook with or clean with and you have no idea how to change the situation.

This is exactly what it’s like to live in a world where money is the ‘currency’ that brightens our lives and quenches our thirst for the things we want to experience in life but we have no idea how to use it.

AND, we have no idea how to use it because most of us aren’t TAUGHT how to use money wisely and to our advantage by our parents or at school. Parents often think schools should teach it (primarily because they don’t know how) and schools don’t want to touch the subject because they don’t understand it either. There’s also rarely any time or money to support financial education in schools because they are too busy teaching students boring, irrelevant information that they will never use in their ‘real’ lives. But this is a discussion for a different day.

Why We Aren’t Taught About Money

Why aren’t we taught about money? Oh my, the answer to this question is long and has many chapters but I’ll try to keep this short and simple.

Enter the world I call the Financial Education Conundrum, meaning most of us don’t have a clue why we don’t learn this stuff when we’re young!

Here are some very basic reasons why we aren’t taught about money.

We don’t talk about money

The conundrum starts with the fact that we talk about electricity and plumbing like it’s no big deal but when it comes to talking about money, oh my gosh, we all too often make it a taboo subject that’s somehow different.

But it’s NOT different!

Money is the substance that virtually every human being in every culture on Earth uses every day to pay for the things he or she needs and wants.

Without enough money to pay for the things we need and want, life can be pretty miserable and while some people say that ‘money doesn’t buy happiness’, it sure buys the things we need to keep ourselves safe and sound and to most people, that’s pretty darn happy.

Research does show money actually DOES affect our happiness, up to the point that we have enough money to pay for our basic needs. Above that point and money doesn’t seem to have much of an effect on making us any happier.

We have to get so we can talk about money as easily as we talk about electricity and plumbing but why do we have such trouble talking about money?

Because we make it mean something about ourselves and others that’s just not true.

There’s a say, “Nothing has meaning except the meaning you give it.” This is oh, so true when it comes to money.

Too many human beings grow up thinking that the amount of money we have has something to do with the type of person we are or our ‘value’ to others, but nothing could be further from the truth.

  • Having money doesn’t make us a better person.
  • Having more doesn’t make us more important.
  • Having money doesn’t make us cooler, or sexier or smarter.
  • Having money doesn’t mean we can neglect those around us or stockpile it and not use it to do good in the world.

money is a toolMoney is simply tool to reach your dreams.

That’s it. It’s short and simple. Money is a tool…just a screwdriver or a hammer or a food processor. It’s a tool.

Money buys shelter, food, clothing, water, knowledge, transportation, and all of the wonderful experiences we call life.

Having money does come with responsibility…to use i wisely for yourself, your family, your community. Doing good with money is one of the most rewarding experiences in life and those who have a good deal more than others, quickly learn the power of using their extra money to help others. It brings us purpose and satisfaction in life.

The fact is, you wouldn’t let your child grow up without learning how to use a toothbrush, drive a car or swim. Why, then, do we let them grow up without a sound financial education?

It only makes sense to teach children this critically important information when they are young so they can grow up using it correctly and not have to, hopefully, learn about money the hard way by making mistake after mistake that could have been avoided with enough of the right type of financial information when they were young.

Can’t teach what you don’t know

While it may be that a large percentage of parents are financially clueless, that’s not a valid reason to not making sure your children or students are equipped with the financial knowledge they need to be self-reliant as adults. Our government coffers are struggling to keep up with the demand from uneducated, ignorant citizens who don’t have a clue how to handle money. It’s not their fault but it’s not the government’s responsibility to take care of people due to their sheer ignorance about money. It’s just not that hard to learn about money and investing anymore.

There are thousands of books on money and investing, online financial education programs, money magazines, free curriculums for home and school, mentors who are more than willing to help you learn as well ‘money camp’ type programs where kids, teens and adults can learn about money and investing.

Hey, and ya, learning about money and investing can be quite confusing. There’s a lot of contrary opinions about what to do but in my own experience, if you read enough books and you take enough classes and you ask enough questions, you start getting the same answers. THAT’S the information you go with…and what feels right in your gut after you start to understand the wonderful world of money…and it is wonderful.

Are you a parent or teacher who doesn’t have a basic foundation in Money 101? No problem!

Learn right along side your children. They won’t mind that you don’t know. Contrary to popular belief, children don’t expect their parents to be perfect.

The truth is, it’s easier for children to learn that making mistakes is a valuable aspect of life if they see their parents learning and growing also. Thinking you have to look like you have it all together to your children is actually a disservice to them. Kids need to know that adults are still working on figuring this ‘life thing’ out, too, and that life is simply a wonderful journey.

Don’t burden our children with money…WRONG!

This attitude about kids and money is downright dangerous to your children and your community’s children. You are keeping the basic information they need to grow up and live successfully away from them. While it doesn’t seem as harsh as not feeding them or giving them water, if you think about it deeper, you see that it’s incredibly harmful to their overall well-being and future.

What good is social studies, geography, history, math and writing if young adults graduate from high school and college with little to no knowledge of how to use and utilize the money they will hopefully go out and start earning on their own? They are now graduating with tremendous amounts of debt that can’t begin to understand, pay back or cope with and the social ramifications of this situation are tremendous.

Adult children are moving home because they can’t find jobs that will pay them enough to pay back debt, they are committing suicide from the financial pressure and are using drugs and alcohol to try to cope.

This is no way to raise children!

The definition of child abuse, according to Wikipedia and several other sources on the web is “the physical, sexual or emotional maltreatment or neglect of a child or children.”

By neglecting to make sure your children and the children in your community learn about the very substance that makes the world go around, as they say, you are indeed harming the child, sometimes in unimaginable ways.

Just as neglecting to teach a child how babies are made, that sugar causes cavities, that vegetables are important to your health, that wearing a seatbelt may save your life some day, neglecting to teach them how to make and manage money keeps them from living life to the fullest and is absolutely a form of child abuse in my book.

Your primary job as a parent and teacher is to make sure your children and students grow up to be fully functioning, responsible adults who can think through challenges on their own and take care of themselves. Not exposing them to money…the good, bad and the ugly…makes it hard for adult children to really create great lives.

What you can do instead:

  1. Stop thinking you are burdening your child or students with adult information they can’t handle. We ARE raising adults, right? They have the right to receive the information they need to live well on this Earth and they WANT this information.
  2. Even if you don’t know what to teach them, start today and teach yourself. There is NO excuse. There is an abundance of free financial education information and videos on the Internet and in the library for you to become an expert on money and investing.
  3. Involve your children and/or students in topics involving money. Know they are interested and the information will help them more than you know in the future. Even if you think they aren’t paying attention, they are. The point is to get everyone talking about money. Start today!
  4. Think of ways you can teach everyday topics through the context of money. Money often makes life lessons far more relevant to students.
  5. Make sure your children get plenty of practice with money. Give them an allowance and then help them budget, save money in a bank and start exploring ways to make that money grow, i.e., invest. We don’t get good at anything without plenty of practice and practice with money is critical if you want your chkids to grow into financially savvy and responsible adults.
  6. Visit our home page and sign up to receive our free report, The 3 Keys to Raising Money Savvy Adults!

teach kids about money

One of the best (and most fun) ways to introduce children to the topic of money is to find youth summer programs that focus on money and investing. Here are a couple of great ideas…

1) Look on line for a money camp. There are many offered around the United States and some internationally. Type the following search terms into Google:

KEYWORDS: money camp, financial camp, millionaire camp, teen money camp, Moving Out for Teens, Camp Millionaire, money game, personal finance camp/class.

You’re sure to find at least one program within driving range. We have many parents bring their children from hundreds of miles away to attend our Camp Millionaire camp. Why? Because it’s worth it to them to know that their children have the tools they need to live successfully on their own after they move away from home.

2) Check your local summer camp locations to see if anyone is offering a camp or class through an already established youth program.

3) Look for a financial advisor or planner who is offering an educational event. While these types of events can be boring and more advanced, you may find one that is basic in nature.

4) Check out your local banks and credit unions. They often offer programs for both kids and adults on basic money management skills.

5) Take a financial education or personal finance class with your older teen.

6) If all else fails, find a financial education curriculum online and teach yourself and your child at home.

7) Lastly, consider hosting a summer financial camp yourself. You can work with us at Creative Wealth or some other organization and make sure your local children get the financial foundation they need.

OK, you don’t have any excuses now for not arming your child or students with the financial knowledge and skills they need to live a happy, healthy life full of the most amazing experiences possible.

It doesn’t matter how you do it…just get it done. Our kids are depending on us. Let’s show the ropes and give them a leg up on living the most awesome life possible!


Santa Barbara, California – Creative Wealth Intl., LLC announces their exciting new women’s financial workshop, Celebrating Women & Wealth, to be held in Santa Barbara, CA, March 12-13, 2016 at the fabulous Fess Parker Resort.

financial education women

It’s not a secret that many women have a difficult time understanding money in a way that helps them be financially successful. After all, we’re rarely taught about money and investing in school or at home. Fortunately, help is right around the corner.

Creative Wealth, well-known for their unique, eye-opening, highly-effective, fun and engaging youth money camps on all things wealth related, recently announced the kick-off of their new women’s program with a special women’s workshop called, “Celebrating Women & Wealth” for women age 16 and up.

Experts agree, money is one of the most misunderstood substances on the planet, especially among women in a culture that often leaves them at a distinct disadvantage. Here are a few reasons women struggle with money:

  • Women live longer than men requiring more money needed for retirement.
  • Women’s health-care is often more expensive than men’s and high health care costs often make a huge difference in women’s ability to stay healthy.
  • Since 50% of marriages end in divorce, women often wind up raising children on their own with little to no alimony or child support.
  • Women lose, on average, 14 years of earning potential due to raising children on one end and taking care of elderly parents on the other.
  • Women have a hard time talking about money…they are full of shame embarrassed because they don’t understand it.

The truth is that women, however, are often better investors than men once they learn the ropes. Clearing up confusions about money and creating wealth can quickly transform a woman’s life.

financial workshop women

In that spirit, Creative Wealth, a leader in financial literacy education, recently announced this new women’s workshop focused on teaching women a whole new way to think about money…a feminine way.  Celebrating Women & Wealth is scheduled for March 12-13, 2016 and will be led by Elisabeth Donati, creator of Camp Millionaire and The Money Game, and Marjean Holden, Actress and International Transformational Trainer. Both instructors are experts in Accelerated Learning Techniques that promise to make the workshop fun and engaging for everyone.

Asked why offer a financial program just for women, Elisabeth Donati, owner of Creative Wealth stated, “Because money means different things to women. We think about it differently and it’s just easier for us to learn about money and investing in a room full of supportive women like ourselves.”

According to Donati, the program will include a look at “The Six M’s of Money” (minding, making, managing, multiplying, mending and mentoring), the art of making peace with money, the critical difference between earning and making money, a simple money management system that really works, a get-out-of-debt fast technique to help reduce cut stress and put women back in control of their money, how to talk to a spouse or child about money, and much more.

Registration is available at  Tickets are $50 per seat, scholarships and volunteer positions available. Ages 16 and up are welcome.

Testimonials from past attendees have been quite passionate. D. Allen stated, “It is fabulous to know that I now have the potential to create financial freedom for myself. The skills and habits taught in this workshop gave me hope where I had given up. I believe everything is possible now because of this workshop. Thank you!”

For more information:

Workshop flyer available here:

Contact: Elisabeth Donati at 805-957-1024

Hope to see you there!


Green Friday 2015 Coupon – Financial Literacy Sale

November 27, 2015

It’s Green Friday! (If you already know you want to experience one of our events or covet one of our unique financial education programs, use the coupon GREENFRIDAY2016 to save 25%. Visit our financial literacy store and just use the coupon when you checkout.) Let’s face it, most of us could use more ‘green stuff’ […]

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Have You Made Any of These Top 9 Estate Planning Mistakes People Make Before They Die.

June 15, 2015

People work their entire lives to pay off a mortgage, accumulate savings, fund a retirement plan, and to create a financial legacy for their children. Unfortunately, many fail to create a proper Last Will and Testament, leaving children and surviving spouses with mounds of paperwork to sort through after a death. This leaves the courts […]

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Camp Millionaire comes to Edmonds, Washington!

May 30, 2015

This year we are excited to announce the newest member of our Creative Wealth Coach Team, Kasey Hill from the beautiful state of Washington. Kasey, and her sister, are hosting two Camp Millionaire summer camps; one for 10-14 year olds and one for 15-17. Your kids will learn how to make, manage, multiply and donate […]

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Save Money By Keeping Good Financial Records

May 29, 2015

Have you ever spent hours tearing your house apart trying to find a receipt, form, or slip of paper? Chances are you need that piece of paper to do your taxes, to submit a health claim, or for a work reimbursement. Many people miss out on the opportunity to get money back when they discard […]

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Summer Money Camps for Kids & Teens

May 7, 2015

It’s that time of year again when you start thinking about what your kids really need to be learning outside of school (aside from everything?) as well as what they’d like to be experiencing during their summer break. One of my own personal beliefs is that when you give kids a three month break, they […]

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An Effective 12-Step Program for Healing Our Educational System

March 29, 2015

What’s Wrong With Our Schools The longer I am in the financial education arena here in the United States, the deeper into trouble I see our education system getting in terms of truly educating our younger generation to be able to grow up and live the purposeful, happy lives they can dream up for themselves. According […]

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Financial Literacy Holiday Gift from Creative Wealth

December 18, 2013

December 18, 2013 Happy Holidays! I’m currently in the Caribbean, about to be the matron of honor for the lady I stayed with a few years ago. She’s experiencing a lot of stress before the wedding and in a lot of pain. It is so interesting how we human beings interpret our lives in ways […]

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Stop worrying about your credit ratings!

September 12, 2013

Because I am the proud owner of many financial education websites and several financial literacy blogs, I receive, almost weekly, requests from other website owners requesting that I post a link for their sites on my blogs and sites. My usual response back to them is, “OK, show me the link.” Side bar: I have […]

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