She does have money for 'retail therapy.'
I have two young children , and I’m the kind of person who likes to plan ahead. In a world that is increasingly chaotic and unstable, setting my kids up for financial success seems very important. We are middle-class, and just now moving from a single-income to a two-income household, which will give us a lot more flexibility to plan, save, and invest.
Given your children’s ages, you should also check to see if you’re eligible for dependent care flexible spending accounts, which can save you money on child care in the same way that your medical FSAs save you money on health care.As for teaching your children about money, there are some good apps like Rooster Money that allow kids to track their allowance and savings in a way that’s accessible.
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