Specific experiences:There was an incident at school or at home. Listening:They hear words and believe those words are in fact true. Imitation:Children see something happening and they do it, too. The first thing to understand is that children learn in one of four ways. Therefore, I’m going to be a penny-pincher for the rest of my life. They’ve thought back enough to run an if‑then scenario that goes something like: My father was very controlling about money. Most people-if they’ve considered their money story at all-have just scratched the surface. “A child’s first view of how something is handled typically becomes, in their minds, the way something should be handled … or not handled.” That made what you witnessed (or thought you witnessed) your truth, even if it wasn’t quite your reality. (Although sometimes it flips and becomes the way something should notbe handled.)īut no matter what your environment was like, chances are pretty good that your parents didn’t talk much about money on a regular basis. A child’s first view of how something is handled typically becomes, in their minds, the way something should be handled. In the looks your parents shot each other when one wasn’t pleased with the way the other handled something. It was the fact that there was-or wasn’t-tension in the air on payday, at holidays, at bonus time. It crept into you as you watched, listened, absorbed. Your money story starts earlier, around age three or four. But your money story does not comprise the things your parents or the people who raised you tried to teach you. Essentially, it’s the impact your childhood had on your core memories of money. But the most powerful force in your financial life to this day is quite possibly something you’ve never really considered. Those are all real and potentially made an impact on you. When you consider the powerful influences over your financial life-if you’ve ever done that before now-maybe you tick off the books you read, television shows you watched, college you attended, neighborhood you grew up in.
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