By Andia Dinesen, AFC ®
Military Saves Coordinator

So here’s another blog about kids.  Naturally, we didn’t mean this to happen, although since today is Take your Son or Daughter to Work day I thought the kid-focused blog deserved another appearance.


Today I brought my daughter to work with me.  She is nine and in the third grade and hopefully old enough to get something out of this day.  She said something to me a few months ago that really has stuck with me “Mom, I know a lot about personal finance.  Probably more than you did at my age.”  So yes, it is true.  She does.  It is probably because I talk about the importance of saving and being financially fit all the time.  I think I tie finances to just about everything we do or don’t do.  I know my friends get tired of hearing it, probably so do my daughters, but I really cannot stress this enough to them.  The world has brought about so many opportunities for our family.  We have lived all over the world, moved a bunch, and gotten to see and do so much in their young lives.  Sometimes we all lose touch of the reason all this happens.  We work hard, we save money for those adventures, and we are learning from past financial hiccups.

Having those hiccups as part of our past to learn from has always helped us remained focused on the plan.  The plan, the plan.   Savings is the most important part of our plan.

We focus on about 6 different savings goals at once with that one overall plan.  One of those goals is debt-repayment, the other goal-focused savings include a vacation fund, education funds, emergency savings, home repairs, then (of course) retirement , which includes about 3 plans within it including the Thrift Savings Plan.

So in preparing for this take-your-daughter-to-work day, my daughter asked me what is Military Saves anyway?  Wait, what? I thought for sure she knew.  Honestly, I talk about it all the time, but I suppose I never got down to the nitty gritty and said what the program is and why it is important.  So then I launched into the grand lecture.  After about 10 minutes I lost her in the explanation.  I would much rather show her today anyway.  I am sure a few lectures might spout out of me today.  I will try to keep them at a minimum and work on focusing that energy toward things that make sense to her, I have to remember she is nine.

I will take a moment to say how proud I am of her; she did save her birthday money, Christmas money, and a portion of her allowance for about five months and bought herself a (refurbished) iPod.  See, she is already living the message, even if she didn’t realize it.


image from Flickr Creative Commons

Tip of the Day

  • Written by Guest Blogger | March 7, 2014

    Make sure your financial advisor’s title is accredited, and that he/she is qualified through a training program that holds its members to strict ethical standards.

Saver Stories View all »

How Smart Financial Decisions Can Create Opportunities 

Written by | November 22, 2019

Written by Stephen Ross, America Saves Program Coordinator | November 22, 2019

Of the many stories Military Saves shares, most describe how someone was in dire straits financially and worked their way out of it with the help of Military Saves. This time we want to highlight a different kind of story. This is a story about how responsible financial decisions can build on one another to create opportunities you thought only the super-rich enjoy.


Setting a Goal Leads to Success

Written by Super User | May 24, 2019

Growing up, Marisa’s dad had always talked about saving first, but she said she didn’t really internalize it until much later. “I was drifting along with no plan, carrying a little bit of revolving debt, saving some money here and there, but without a real plan for it.”


Living the Dream: This Military Couple Retired Early

Written by Jackie Toops | March 18, 2021

“Continuous dedication to financial peace pays off,” shares military couple, Denise and Jim. They would know, because at ages 52 and 53, they are already retired. The couple enjoyed life as an Army family for 32 and a half years and started planning for retirement decades ago. Denise shares, “We are not working a paid job, but are volunteering and meeting some personal fitness goals and enjoying some time together after many years spent geographically apart. It can be done!”