Last week, Brad Smith and Tim Borody laid the foundation for teaching kids about money. This week, they build on that conversation—tackling more advanced topics that help kids move from understanding money to managing it confidently for the long term.

From introducing investing at the right age to explaining the difference between short-term and long-term goals, Brad and Tim share practical, real-world approaches for guiding kids through increasingly complex financial concepts. They also discuss ways to help children learn from mistakes, develop discipline, and connect money decisions to their personal values.

What You’ll Learn in This Episode:

• How to introduce investing concepts to kids in an age-appropriate way
• Strategies for teaching goal-setting, delayed gratification, and risk awareness
• Why connecting money skills to values sets kids up for lifelong financial health

If you’re ready to prepare the next generation for success—not just in earning money, but in using it wisely—this conversation offers actionable steps you can start today.

Money lessons aren’t just learned in adulthood—they start at home.

In this episode of Your Life and Money, hosts Brad Smith and Tim Borody dive into the essential, and often overlooked, skill of teaching kids about money. Drawing from personal stories, including a recent family wedding, they explore how early financial education shapes lifelong habits and values. From navigating conflicting advice to adapting lessons across generations, Brad and Tim share practical strategies for giving the next generation the wisdom, confidence, and skills to manage money well.

What You’ll Learn in This Episode:

• Why financial education should begin long before kids enter the workforce
• How parents can pass down healthy money values without overwhelm or confusion
• Practical, age-appropriate ways to teach budgeting, saving, and giving

Whether you’re a parent, grandparent, or mentor, this episode will inspire you to start meaningful money conversations that last a lifetime.

Welcome back to Your Life and Money, where financial planning meets real life. In this episode, Brad Smith and Tim Borody continue the conversation around one of the most overlooked yet essential aspects of retirement—preparing not just financially, but emotionally and psychologically for this major life transition.

With decades of experience guiding clients into retirement, Brad and Tim explain why even the most financially secure individuals often feel lost or unsettled once they step away from work. That’s where the Retirement Coaching Program comes in—a life-centered approach to helping people find purpose, structure, and fulfillment in their post-career years.

This episode explores three central themes:

• Identity and Purpose After Work: Why retirement often causes people to ask, “Who am I now?”—and how to find meaningful answers.
• From Accumulation to Distribution: Shifting mindsets from earning and saving to spending with intention and confidence.
• Coaching for the Human Side of Retirement: How structured conversations and thoughtful planning can help you design a retirement that’s rich in purpose, connection, and clarity.

Retirement isn’t the end—it’s a beginning. Tune in and start imagining what’s possible.