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In this episode of Not Just Numbers, Mike and Madison are joined by financial advisor Maureen Donahue to tackle a challenge many families face: how to teach teens and young adults to make smart money decisions before the stakes are high.

Through real client stories and practical strategies, they explore why financial lessons stick best when kids experience real-world consequences—not just lectures. From setting spending limits and creating annual budgets to introducing investing through tools like Roth IRAs, Mike and Maureen share how parents can gradually shift from decision-makers to coaches.

They also dive into key moments like the transition to college, the risks of easy access to digital money, and the importance of modeling good financial behavior at home.

If you want to raise financially confident, independent kids—and avoid costly lessons later—this episode offers actionable insights to help you start early and build habits that last a lifetime.