{"id":302788,"date":"2013-07-30T11:00:00","date_gmt":"2013-07-30T15:00:00","guid":{"rendered":"https:\/\/wp-stage.familylife.com\/www\/podcast\/%series%\/reaping-the-fruit-of-sacrifice\/"},"modified":"2013-07-30T11:00:00","modified_gmt":"2013-07-30T15:00:00","slug":"reaping-the-fruit-of-sacrifice","status":"publish","type":"podcast","link":"https:\/\/wp-stage.familylife.com\/www\/podcast\/familylife-today\/reaping-the-fruit-of-sacrifice\/","title":{"rendered":"Reaping the Fruit of Sacrifice"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"<p>Savvy savers tell how their short term sacrifices blessed them with long-term benefits.<\/p>\n","protected":false},"author":91,"featured_media":294104,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","inline_featured_image":false,"_uag_custom_page_level_css":"","episode_type":"","audio_file":"https:\/\/web.familylifetoday.com\/fl2013-07-30.mp3","podmotor_file_id":"","podmotor_episode_id":"","cover_image":"","cover_image_id":"","duration":"00:","filesize":"22.46M","filesize_raw":"23554379","date_recorded":"","explicit":"","block":""},"categories":[2851],"tags":[4525,4285,5299],"podcast_series":[7964],"cwp_profile":[3206,3272],"series":[2101],"class_list":["post-302788","podcast","type-podcast","status-publish","has-post-thumbnail","hentry","category-finances","tag-finances","tag-generosity","tag-money-saving","podcast_series-money-saving-families","cwp_profile-crystal-paine","cwp_profile-steve-and-annette-economides","series-familylife-today"],"acf":[],"episode_featured_image":"https:\/\/wp-stage.familylife.com\/www\/wp-content\/uploads\/sites\/1001\/2024\/09\/FLT-Podcast-Cover-2-508x508-3.jpg?w=508","episode_player_image":"https:\/\/wp-stage.familylife.com\/www\/wp-content\/uploads\/sites\/1001\/2023\/02\/image-scaled.jpg","download_link":"https:\/\/wp-stage.familylife.com\/www\/podcast-download\/302788\/reaping-the-fruit-of-sacrifice","player_link":"https:\/\/wp-stage.familylife.com\/www\/podcast-player\/302788\/reaping-the-fruit-of-sacrifice","audio_player":null,"episode_data":{"playerMode":"light","subscribeUrls":{"apple_podcasts":{"key":"apple_podcasts","url":"https:\/\/podcasts.apple.com\/us\/podcast\/familylife-today\/id212174303?mt=2&app=podcast","label":"Apple Podcasts","class":"apple_podcasts","icon":"apple-podcasts.png"},"google_podcasts":{"key":"google_podcasts","url":"","label":"Google Podcasts","class":"google_podcasts","icon":"google-podcasts.png"},"spotify":{"key":"spotify","url":"https:\/\/open.spotify.com\/show\/0j5UaKdQOHQCuo1bt0ebEm","label":"Spotify","class":"spotify","icon":"spotify.png"},"youtube":{"key":"youtube","url":"","label":"YouTube","class":"youtube","icon":"youtube.png"}},"rssFeedUrl":"https:\/\/wp-stage.familylife.com\/www\/feed\/podcast\/familylife-today","embedCode":"<blockquote class=\"wp-embedded-content\" data-secret=\"TYuP2CpV27\"><a href=\"https:\/\/wp-stage.familylife.com\/www\/podcast\/familylife-today\/reaping-the-fruit-of-sacrifice\/\">Reaping the Fruit of Sacrifice<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/wp-stage.familylife.com\/www\/podcast\/familylife-today\/reaping-the-fruit-of-sacrifice\/embed\/#?secret=TYuP2CpV27\" width=\"500\" height=\"350\" title=\"&#8220;Reaping the Fruit of Sacrifice&#8221; &#8212; FamilyLife\u00ae - A Cru Ministry\" data-secret=\"TYuP2CpV27\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script>\n\/*! This file is auto-generated *\/\n!function(d,l){\"use strict\";l.querySelector&&d.addEventListener&&\"undefined\"!=typeof URL&&(d.wp=d.wp||{},d.wp.receiveEmbedMessage||(d.wp.receiveEmbedMessage=function(e){var t=e.data;if((t||t.secret||t.message||t.value)&&!\/[^a-zA-Z0-9]\/.test(t.secret)){for(var s,r,n,a=l.querySelectorAll('iframe[data-secret=\"'+t.secret+'\"]'),o=l.querySelectorAll('blockquote[data-secret=\"'+t.secret+'\"]'),c=new RegExp(\"^https?:$\",\"i\"),i=0;i<o.length;i++)o[i].style.display=\"none\";for(i=0;i<a.length;i++)s=a[i],e.source===s.contentWindow&&(s.removeAttribute(\"style\"),\"height\"===t.message?(1e3<(r=parseInt(t.value,10))?r=1e3:~~r<200&&(r=200),s.height=r):\"link\"===t.message&&(r=new URL(s.getAttribute(\"src\")),n=new URL(t.value),c.test(n.protocol))&&n.host===r.host&&l.activeElement===s&&(d.top.location.href=t.value))}},d.addEventListener(\"message\",d.wp.receiveEmbedMessage,!1),l.addEventListener(\"DOMContentLoaded\",function(){for(var e,t,s=l.querySelectorAll(\"iframe.wp-embedded-content\"),r=0;r<s.length;r++)(t=(e=s[r]).getAttribute(\"data-secret\"))||(t=Math.random().toString(36).substring(2,12),e.src+=\"#?secret=\"+t,e.setAttribute(\"data-secret\",t)),e.contentWindow.postMessage({message:\"ready\",secret:t},\"*\")},!1)))}(window,document);\n\/\/# sourceURL=https:\/\/wp-stage.familylife.com\/www\/wp-includes\/js\/wp-embed.min.js\n<\/script>\n"},"spectra_custom_meta":{"_wp_page_template":["default"],"transcript_url":["https:\/\/transcript.familylifetoday.com\/fl2013-07-30.pdf"],"audio_file":["https:\/\/web.familylifetoday.com\/fl2013-07-30.mp3"],"transcript_content":["<p>\n\t\t\t\t<strong>Bob:<\/strong> You may have experienced something like this at your house\u2014your kids want some fancy sneakers. Everybody\u2019s got the fancy sneakers; and your kids want them, too. Steve Economides says, \u201cThe question is not, \u2018Can you afford to buy your children those sneakers?\u2019 The question is, \u2018What\u2019s the best decision you can make for your kids?\u2019\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Steve:<\/strong> If I earned $100,000 a year, and I was able to afford to give my kids the $200 sneakers, what I\u2019ve done is I\u2019ve handcuffed them to my earning level. Let\u2019s say they never attain that level. The struggles they are going to experience, trying to replicate our lifestyle, are epic. <em>If<\/em> I teach them to spend what they\u2019ve earned, and they <em>exceed<\/em> my earning, have I handicapped them at all? No. They are equipped. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> This is <em>FamilyLife Today<\/em> for Tuesday, July 30<sup>th<\/sup>. Our host is the President of FamilyLife<sup>\u00ae<\/sup>, Dennis Rainey, and I\u2019m Bob Lepine. You\u2019ll have to pardon my voice today, but we are going to talk about how you can raise children who are money-smart and can be financially independent. That\u2019s a good thing to talk about; don\u2019t you think? Stay tuned. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd welcome to <em>FamilyLife Today<\/em>. Thanks for joining us. You know, we\u2019re in the studio today with Crystal Paine, who has a blog for moms\u2014called <em>Money Saving Mom<\/em><sup>\u00ae<\/sup>. We\u2019ve got Steve and Annette Economides\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> \u2014who changed their last names to be able to write a book about money. [Laughter] I mean, what a name!\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> I know\u2014Economides. They are known as \u201cAmerica\u2019s Cheapest Family\u201d. I was thinking I need to come up with a slogan like that for you\u2014something. I\u2019m still working on what it will be; [Laughter] but I think we should come up with something like that for you. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> We\u2019re going to come up with all kinds of great advice today about how to handle your budget, your money, your savings, and your giving. So\u2014Crystal, Steve, Annette\u2014welcome back to <em>FamilyLife Today<\/em>. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> It\u2019s great to be here, Dennis. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> It\u2019s great to be here. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Crystal, you\u2019ve written a book called <em>The Money Saving Mom\u2019s Budget<\/em>. Steve and Annette have written one called <em>The MoneySmart Family<\/em><em><sup>\u2122<\/sup><\/em><em> System<\/em>. This system that you guys talk about here is 5, 50, 500. Explain what 5, 50, 500 is all about. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Years ago, I was in the advertising industry. We did a lot of interfacing with printers. I had an old printer salesman come to me one day. He said, \u201cWhen you set up this ad for this magazine, make sure you proof your work\u2026\u201d I\u2019m sitting there, going, \u201cThis is a strange thing to say.\u201d \u201c\u2026because if you proof your work well and you catch a typo, at the type-setting stage, it will cost you $5. If you catch it when we go to film, before it goes on the press, it\u2019s going to cost you $50. And if we catch it on the press, and we have to stop the presses, it\u2019s going to cost you $500 an hour. So, proof your work.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWell, it didn\u2019t really click then; but as we started raising kids\u2014and we have five kids\u2014and we started seeing unlearned lessons that they would experience\u2014noticed that the price tag kept escalating. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> The older they get? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Every time they repeated a lesson, the cost went up. So, we\u2019re sitting down, getting ready to write this book, which is our third book\u2014it\u2019s basically how to transfer what we\u2019ve learned about managing money\u2014being a steward\u2014to our kids\u2014and realized, \u201cThat\u2019s the principle!\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> So, the $5-stage is 0 to 5 \/ 0 to 6. Back then, if you give into whatever\u2014a tantrum\u2014it\u2019s going to cost you $5. Between 6 and 11, if you give into the impulse urges, it\u2019s going to be $50. Twelve to 17 is $500\u2014that\u2019s laptops, cell phones. Seventeen to 20 is $5,000\u2014that\u2019s school tuition, cars, credit card bailouts. And 24 and above is $50,000. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWe\u2019ve actually interfaced with people\u2014that are in this position\u2014where they are dealing with custody battles, divorces, home foreclosures, car repossessions. <br><br>We see parents, today, bailing their children out. Sixty percent of all parents, out there today, are supporting their adult children, financially. Crystal is a rarity. She is a needle in a haystack. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> You know, the 5, 50, 500 rule is the downside. What we did, in the book, was\u2014we talked about, \u201cHow can you defeat that rule?\u201d because we really want to empower parents to train their kids to be financially independent and really realize that they are not raising children\u2014they are raising future adults. So, \u201cHow do you do that?\u201d Basically, every time your child wants something\u2014and you find a way for them to pay for it themselves or to earn it\u2014now, you\u2019ve just defeated the rule. You\u2019ve freed yourself from funding the entitlement mentality; and you\u2019ve trained your child to be self-responsible and self-reliant. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> The kids are going to learn these lessons, at some point. If they learn them when it\u2019s a $5 lesson\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> It\u2019s way better. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> \u2014it helps them. It helps everybody as opposed to a 50 or a 500\u2014you\u2019re just saying, \u201cLet\u2019s plant these truths in their heart, young;\u201d right? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Absolutely; but, Bob, what we\u2019ve told in many of our interviews is you can start anywhere along the way. I mean, we have 24 chapters in this book\u2014talking from when they\u2019re young and they\u2019re preschool-age\u2014to starting when they are teenagers and you\u2019re dealing with part-time jobs, and getting ready for college, and all the way up to adult. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWhat do you do when you do have\u2014you\u2019ve missed the boat\u2014so to speak; okay? You didn\u2019t transfer the baton. Now, you\u2019ve got adult children, who are coming to you, asking for money. How do you help them? You know: \u201cYou give them a fish; you feed them for a day. You <em>teach<\/em> them to fish; you feed them for a lifetime.\u201d So, what can you do? Our book has chapters that deal with <em>every<\/em> single age and issue. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Let me take this all the way back to when the two of you got married\u2014when you two met. We asked the question earlier about Crystal\u2014where she was on my 1-to-5 scale\u2014with 1 being a tightwad, and 5 being extravagant. She said, \u201cShe was a 1; maybe, nudging over to a 2.\u201d So, where were you, Annette, when you first met your husband? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Actually, I wasn\u2019t that thrifty when I first met my husband. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> She loved clothes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Yes, my mom\u2014oh, she loved to spend money. That was how I was discipled; right? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Okay. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Annette:<\/strong> But we had pretty much nothing to live on when we first got married. It was either sink or swim\u2014either we had to figure out how to survive or we weren\u2019t going to make it. So, I was a 3 when we got married; but now, I would put myself in the 2 category\u2014the thrifty\u2014but I would still say I was generous because there are a lot of missionaries that we support. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> When we first got married, I was earning $6.50 an hour as a paste-up artist at a printing company. Annette wanted to stay home and manage our home. She\u2019d never run a home before. We read, in Titus, where it talks about \u201c\u2026be workers at home;\u201d and she took that to heart. She felt like that was God\u2019s calling on her. So, we decided\u2014and we both had no debt from college, which was a miracle\u2014we decided she would stay home. I would work one job. Now, my dad told me I should work two jobs and Annette should work a job. We should save all the money we could and be in a house in three years. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWe decided that we were going to trust God to provide and to work that out because Psalm 127 talks about, \u201cIt\u2019s vain to rise early, go to bed late, to eat the bread of painful labor. God gives to His beloved even in their sleep.\u201d That\u2019s crazy talk, but it\u2019s true. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> And three years later, we were in a house. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Three years later, we had 15 percent to put down on a house. We paid that house off in nine years. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> It was repossession. It needed a lot of elbow grease, but painting is easy. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> We paid it off on an average income of $33,000. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Bob:<\/strong> Wow! \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> In the same amount of time\u2014by the time we sold that house, we had five kids. We paid cash for two cars and taken vacations. So, the system worked. What really happened was\u2014in our marriage prep class, before we got married, we learned about budgeting from Larry Burkett. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> We were raised in semi-thrifty homes. Both of our parents shopped at the JC Penney\u2019s catalogue outlet, but they didn\u2019t like do garage sales or rummage sales; and there were hardly any thrift stores back then. I mean, the thrift store industry has just gone bonkers. There was no such thing as a consignment store back then. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> So, you were not raised with an extravagant approach to life. You were raised in kind of that middle class\u2014\u201cLet\u2019s pinch a penny here;\u201d\u2014 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> \u2014but you didn\u2019t dive into marriage with an aggressive approach. That\u2019s something that somewhere got birthed in\u2014what is it in your heart? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Actually, we did. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Okay. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Steve:<\/strong> We started with a budget. We learned, in our marriage prep class, what a budget was; and neither of us had ever lived on it. When we got started\u2014where it really clicked\u2014there were two significant events. One was\u2014I got a phone call, one day, at the printing company. Annette was out, running errands. She said, \u201cIs it a bad thing when water comes out of the tail pipe of the car?\u201d [Laughter] It turned out we had blown a head gasket. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tNow, we had our budget set up\u2014where we were saving, in advance, for our rent, for our food, for our clothes. We had a little bit of recreation money. We had an auto account. We got a quote, and it was going to cost $500 to rebuild the engine. We didn\u2019t have the money. We had a choice to make, right there; and that was, \u201cWere we going to run to the bank, or were we going to run to God?\u201d We chose to wait until God provided through our budget. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Now, we lived close to work. So, he could bike to work each day. <br><br><strong>Steve:<\/strong> And we had some friends, in our young-marrieds\u2019 class, who said: \u201cWe have an extra car. You can drive it on the weekends and drive it to church.\u201d The body of Christ provided. We made it a month\u2014had the money saved, got the car fixed\u2014pivotal point. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> What I\u2019m hearing you say, though, there was sacrifice. That\u2019s not a word that we like to embrace today. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Steve:<\/strong> Well, I wrote this down when Crystal was talking\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> \u2014because she talked about sacrifice going through law school. I wrote down this phrase: \u201cYou can cry now, or you can cry later.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tThere was a time when we bought some couches from missionaries, going out of the country. They were leaving the country; okay? These brown and plaid Mediterranean couches for $25\u2014that\u2019s what we could afford. Our neighbor, a guy I led worship with at Crusade in college\u2014and he was working as a computer programmer and earning $30,000. I\u2019m earning $13,000 a year. One day, the Scandinavian furniture truck drove up to our apartment complex. Dave\u2019s house gets delivered\u2014leather couch, teak\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> \u2014dining room table, a hutch. I just went inside, and I just sat on our couches, and I bawled! But it was, at that point, where I said: \u201cLord, I want to be thrifty. I don\u2019t want to have any debt; but I don\u2019t want to have orange and brown plaid couches. I just\u2014they\u2019re ugly! I just\u2014but I\u2019m going to live this way if that means we need to live debt-free.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Yes, about four years later, I got a bonus at work\u2014a different job. I called her up and I said, \u201cMrs. Economides, go out and buy those couches.\u201d There were couches we saw, before we were married\u2014they were at JC Penney\u2019s. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> And we used a coupon. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Crystal, I want you to comment on what Steve said earlier. You did sacrifice so your husband could go to law school. Why is sacrifice so important as you approach the subject of money? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> You know, if you don\u2019t make sacrifices\u2014if you\u2019re not <em>willing<\/em> to make sacrifices\u2014you\u2019re not going to, probably, reap the benefits. Sacrifice is important because if you can\u2019t\u2014you know, like I talked about\u2014you have to make short-term sacrifices for long-term benefits. So, that\u2019s in all areas of our life. If you want to lose weight, you\u2019re going to have to sacrifice\u2014exercise\u2014get up early and exercise, you know? Or you are going to have to eat less. Sacrifice will help you to achieve those results; and you will reap the fruit, but it is hard! \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI remember those times when he was in law school, and we\u2014we, literally, could not afford\u2014we didn\u2019t have $2 to spare in our budget, and we couldn\u2019t buy anything. I remember when I got pregnant. I couldn\u2019t buy maternity clothes because I didn\u2019t have any money to even go to the thrift store, and we just prayed. A friend of mine sent a box of maternity clothes. You know, God <em>always<\/em> provided; but that didn\u2019t mean that there weren\u2019t times when it was really hard and when we had to just get on our faces, and cry, and say, \u201cGod, we have to trust You to provide this for us.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> You know, one of the things you have, as an advantage, perhaps, over other listeners? You grew up in a family where you saw your parents sacrifice so they could give. They sacrificed and saved so they could reach out to others and help them. That really goes back, Steve and Annette, to your book. You\u2019re really equipping parents to train their children with life skills\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> That\u2019s right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Absolutely. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> \u2014about handling money. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Bob:<\/strong> And Mom and Dad have got to embrace those first. You can\u2019t train your kids to do something you\u2019re not doing yourself. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Steve:<\/strong> We just watched the Olympics this last summer. I was a competitive gymnast in college. That\u2019s how God paid for college for me, which was interesting. But we saw these gymnasts\u2014we saw the track athletes running around\u2014doing their exercises\u2014and they were phenomenally-trained. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Or the girl gymnasts were amazing! \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> But I guarantee you that there was not one of those athletes whose mom or dad did the weight lifting for them. When we entitle our kids\u2014when we give our kids\u2014I mean, if we\u2019re high-income earners and we have money\u2014and there were years we earned a decent income\u2014we decided we would not give our kids those things; but we would teach them to earn them, themselves. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br>It does a couple of things. It teaches them that they can wait, they can work, and they can get the reward. I mean, we want to give our kids the best by giving them the strength to go through these things. <br><br><strong>Bob:<\/strong> Annette, how many kids\u2014five? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Five. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> What ages now? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> They range from 18 to 29. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> And when they were 8 to 19\u2014if I\u2019ve got my math right there\u2014were there any whiners in the bunch, going, \u201cI don\u2019t like being an Economides\u201d? <br>\u00a0\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Well, I wouldn\u2019t say, \u201cI don\u2019t like being an Economides,\u201d but we did have some that really had more of a tendency to spend their money than others. The cool thing about the system that we set up\u2014our MoneySmart Kids System\u2014is that it was cash in envelopes. When the cash was gone, they couldn\u2019t spend anymore. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tThere were times when we went out for a special sale or something. One particular kid looked in his envelope, and he didn\u2019t have anything. So, he came with us; but he couldn\u2019t buy anything that day. We weren\u2019t going to bail him out because he needed to learn how to plan and prioritize his money. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Dennis:<\/strong> Kids go through various phases. You start, obviously, in kind of the 0- to 5-age range\u2014that\u2019s a time when you train them to do certain things\u2014then, the elementary age and, then, junior high and high school. Walk through those three phases and give us a couple of tips or important things to consider as you train children in each of those three phases of life. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Okay. At the baby stage, 0 to 5, your kids aren\u2019t really making choices. You are making the choices; but you can set in motion a train that\u2019s really hard to stop if you start buying all the designer clothes\u2014all the designer baby gadgets. You set up this expectation, in the child\u2019s mind, that this is how life is. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> But from 0 to 5, we say that\u2019s a great time to start teaching them how to identify coins\u2014how to let them know that money exists. Our youngest daughter just had a little Minnie Mouse bank. She\u2019d get some of the money, and she\u2019d just put it in her bank. At that stage, it would be great for garage sales. She could spend her money at garage sales. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tFrom 6 to 11, they\u2019re learning a whole then\u2014I mean, they are adding, subtracting. They\u2019re using percents, their decimals. At eight years old, we transfer them to envelopes. That\u2019s when they\u2019re really touching cash\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> \u2014and figuring out\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> They have three envelopes: give, save, and spend. A lot of times, when we do our giving\u2014and we have a lot of missionaries we support. Abby, when she was\u2014what?\u2014six years old\u2014she met Joni Eareckson Tada, and she fell in love with Joni. She carried her book around for days. We got a letter from Joni about something; and Abby said, \u201cI want to give to Joni.\u201d So, we all pooled our money. It was a family project, and we sent some in. That was her heart! That was incredible to watch and to bless her. She still follows her today, and she is 18. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Wow. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> And then, from 12 to 17\u2014oh, so much is happening then\u2014but at 12 years old, they start buying their own clothes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> It\u2019s so funny that she said that. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> I\u2019m just like\u2014I couldn\u2019t believe Crystal said that because that\u2019s exactly the age that we started doing it. Of course, we\u2019re going to issue grace\u2014if the boys are going through a growth spurt, and they\u2019ve been spending their money wisely, and they need underwear or sneakers\u2014we\u2019re going to buy them the things that they <em>need<\/em>\u2014not the things that they necessarily want\u2014but the things that they need. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br>But when they are buying their own clothes, you know, $200 sneakers are just really not that exciting because they are just not worth $200 when you have to earn the money to buy them. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Here\u2019s something we saw. If I earned $100,000 a year and I was able to afford to give my kids the $200 sneakers, what I\u2019ve done is I\u2019ve handcuffed them to my earning level. Let\u2019s say they never attain that level. The struggles they are going to experience, trying to replicate our lifestyle, are epic. If I teach them to spend what they\u2019ve earned and they exceed my earning, have I handicapped them at all? No. I\u2019ve actually freed them up to be generous\u2014to give, to save, to do all kinds of things. They can accomplish incredible things. So, I haven\u2019t hand\u2014I\u2019ve basically made them like Warren Buffett\u2014a man who is able to evaluate a business, buy low, grow it, sell high. They are equipped, and that\u2019s our goal. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Dennis:<\/strong> You know, we were not quite as sophisticated as your book talks about here. I wish we\u2019d had your training. Frankly, it would have been a great benefit; but you are reminding me of an epic conversation that pretty much occurred in each of our six children\u2019s lives\u2014when they went away to college, and they were weaned off the parental wing, protecting them and providing for them. They kept either asking or whining about why they didn\u2019t get more money because they were comparing what they were getting to go to college or what they had to college with what their friends were. That\u2019s a dangerous thing\u2014that comparison. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br>With each of them, pretty much the following conversation occurred. I\u2019d look them in the eye and say: \u201cYou know, you\u2019re becoming an adult. Becoming an adult means you have adult tastes, and you know what? As a parent, I\u2019m not committed to supplying your adult tastes and meeting all of your desires of what you want in terms of clothing, lifestyle, and the number of times you eat out. So, you know what? We\u2019ve set a little budget for you. This is what you are going to college on. We purposely set it low enough so that you have to get a job, and you have to supplement your own\u201d\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> \u2014\u201cincome if you want to do things in addition.\u201d Actually, we visited one of our children, when she was in college, and she was eating Ramen noodles, Bob. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Well, was that because of the health club membership that she had been working toward? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> It was because of a health club membership that she had made. She had to live on a budget. The only way she could make the health club membership\u2014which was a bad choice\u2014even though it was only 25 bucks a month\u2014she\u2019d signed a contract for a year. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> And she paid dearly because Ramen noodles\u2014after a year, on Sunday night\u2014they\u2019re not her friend. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> We heard something that probably only 1 percent of parents ever hear\u2014and that was\u2014our son, Joe, who\u2019s got two semesters left in college\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> To get his bachelors. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> \u2014and he hasn\u2019t borrowed a dime. He said, to us, when he started\u2014he said, \u201cMom and Dad, I don\u2019t want you to pay a penny for my college.\u201d And he\u2019s done it. Actually, none of our kids\u2014we helped them through community college classes when they were in high school, and they graduated high school with about 30 credits\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> \u2014toward college. None of them have borrowed a dime. Starting young\u2014gives you that ability to build the strength so that they can accomplish incredible things. I said: \u201cJoe, you may be poor now. You feel like you have no money, but you are going to be miles ahead of your peers when you graduate because you aren\u2019t going to be carrying a trailer load of debt behind you.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Dennis, we do talk, in our book\u2014we have a whole chapter on college. I think it\u2019s one of the biggest chapters in the book, where we talk about, \u201cHow do you set your kids up to do this?\u201d\u2014you know, from cash to preloaded cards, to an account where they can draw from. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> To scholarships, to buying books\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> \u2014there are all kinds of ways to save. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Parents shouldn\u2019t step in and protect their children from reality because they\u2019re going to have to live there, at some point. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd what I like\u2014what you\u2019ve done in your book, and what you teach there, is you\u2019re really calling parents to\u2014first of all, as we mentioned earlier\u2014to model a lifestyle of control, to model giving\u2014really a Kingdom-mindset of sending it on ahead so that their children know where real value truly is\u2014and then, to train their children, practically-speaking, to know how to live within their means, and to be able to\u2014well, on the 1-to-5 point scale, Bob\u2014to move to the left a little bit so they can be more generous on the right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Well, it\u2019s really all about making choices. I mean, at the end of the day, they are not easy choices for families to make sometimes; but you are making decisions about what you value, what\u2019s important, and choosing to live within your means. I think the books by Steve and Annette and Crystal help families be able to do just that, more effectively\u2014give you some tips\u2014some help on how you can bring some balance to your family finances. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSteve and Annette\u2019s book is called <em>The MoneySmart Family System: Teaching Financial Independence to Children of Every Age<\/em>. And Crystal\u2019s book is called <em>The Money Saving Mom\u2019s Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year<\/em>. We have both books in our <em>FamilyLife Today<\/em> Resource Center. Go, online, at FamilyLifeToday.com for information on how you can order both of these books. Again, the website is FamilyLifeToday.com; or call, toll-free, at 1-800- \u201cF\u201d as in family, \u201cL\u201d as in life, and then, the word, \u201cTODAY\u201d\u20141-800-358-6329, 1-800-FL-TODAY. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br>We always want to thank those listeners, who are able to help support the ministry of <em>FamilyLife Today<\/em>\u2014our generous listeners. We have some folks who are very generous. We are grateful for our Legacy Partners, who give each month\u2014grateful for those of you, who call in, from time to time\u2014particularly, those of you who call at the end of July because that\u2019s a time of year when we\u2019re not hearing from as many folks as usual. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSo, when we hear from you to make a donation to help support <em>FamilyLife Today<\/em> to keep it on this station and our network of stations, all across the country, we appreciate that so much. This week, we\u2019d like to say, \u201cThank you for your financial support,\u201d by sending you a CD of a conversation we had with Kay Wyma. Kay is a mom, who lives in Dallas, who found a way to get her kids more involved in the management of the household. Not only did they start owning responsibility for the chores they were doing but there was a lot more peace and harmony around the home, as well. Kay shares with us how she made that happen, in the interview we did with her. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWe\u2019ll send you a CD of that interview when you make a donation this week. Simply, go to FamilyLifeToday.com and click the button that says, \u201cI CARE\u201d, to make an online donation. Or call 1-800-FL-TODAY and make your donation over the phone. Ask about the CD, <em>Cleaning House<\/em>, when you get in touch with us, and we\u2019re happy to send it out to you. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd we hope you can be back with us again tomorrow when we\u2019ll continue talking about how we can be money-smart at home and how we can raise our kids to be money-smart, as well. Hope you can join us for that. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI want to thank our engineer today, Keith Lynch, and our entire broadcast production team. On behalf of our host, Dennis Rainey, I\u2019m Bob Lepine. We will see you back tomorrow for another edition of <em>FamilyLife Today<\/em>. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<em>FamilyLife Today<\/em> is a production of FamilyLife of Little Rock, Arkansas. Help for today. Hope for tomorrow.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWe are so happy to provide these transcripts to you. However, there is a cost to produce them for our website. If you\u2019ve benefited from the broadcast transcripts, would you consider <a href=\"http:\/\/wp-stage.familylife.com\/www\/donate\">donating today<\/a> to help defray the costs?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tCopyright <sup>\u00a9<\/sup> 2013 FamilyLife. All rights reserved.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<a href=\"http:\/\/wp-stage.familylife.com\/www\/\">www.FamilyLife.com<\/a>\u00a0 \n\t\t\t<\/p>\n\t\t\t\n\t\t\t\t<p>\n\t\t\t\t\t1\n\t\t\t\t<\/p>"],"_seopress_titles_title":[""],"_seopress_titles_desc":[""],"_seopress_robots_index":[""],"duration":["00:"],"show_notes":[""],"_thumbnail_id":["294104"],"filesize":["22.46M"],"filesize_raw":["23554379"],"_uag_css_file_name":["uag-css-302788.css"],"_uag_js_file_name":["uag-js-302788.js"],"_uag_page_assets":["a:9:{s:3:\"css\";s:82560:\".wp-block-uagb-container.uagb-block-e11dbe9f .uagb-container__shape-top svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-e11dbe9f .uagb-container__shape.uagb-container__shape-top .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-e11dbe9f .uagb-container__shape-bottom svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-e11dbe9f .uagb-container__shape.uagb-container__shape-bottom .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-e11dbe9f .uagb-container__video-wrap video{opacity: 1;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-e11dbe9f{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-e11dbe9f > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1320px);max-width: var(--inner-content-custom-width);width: 100%;flex-direction: column;align-items: center;justify-content: center;flex-wrap: nowrap;}.wp-block-uagb-container.uagb-block-e11dbe9f{box-shadow: 0px 0px   #00000070 ;padding-top: 3em;padding-bottom: 3em;padding-left: 1.5em;padding-right: 1.5em;margin-top:  !important;margin-bottom:  !important;overflow: visible;order: initial;border-color: inherit;background-color: #f8f8f8;;}@media only screen and (max-width: 976px) {.wp-block-uagb-container.uagb-is-root-container .uagb-block-e11dbe9f{width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-e11dbe9f > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1024px);max-width: var(--inner-content-custom-width);width: 100%;}.wp-block-uagb-container.uagb-block-e11dbe9f{padding-top: 3px;padding-bottom: 3px;padding-left: 1.5px;padding-right: 1.5px;margin-top:  !important;margin-bottom:  !important;order: initial;background-color: #f8f8f8;;}}@media only screen and (max-width: 767px) {.wp-block-uagb-container.uagb-is-root-container .uagb-block-e11dbe9f{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-e11dbe9f > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 767px);max-width: var(--inner-content-custom-width);width: 100%;flex-wrap: wrap;}.wp-block-uagb-container.uagb-block-e11dbe9f{padding-top: 3px;padding-bottom: 3px;padding-left: 1.5px;padding-right: 1.5px;margin-top:  !important;margin-bottom:  !important;order: initial;background-color: #f8f8f8;;}}.wp-block-uagb-container.uagb-block-85559158 .uagb-container__shape-top svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-85559158 .uagb-container__shape.uagb-container__shape-top .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-85559158 .uagb-container__shape-bottom svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-85559158 .uagb-container__shape.uagb-container__shape-bottom .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-85559158 .uagb-container__video-wrap video{opacity: 1;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-85559158{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-85559158 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 960px);max-width: var(--inner-content-custom-width);width: 100%;flex-direction: column;align-items: center;justify-content: center;flex-wrap: nowrap;}.wp-block-uagb-container.uagb-block-85559158{box-shadow: 0px 0px   #00000070 ;padding-top: 0px;padding-bottom: 0px;padding-left: 10px;padding-right: 10px;margin-top: 60px !important;margin-bottom: 60px !important;margin-left: 0px;margin-right: 0px;overflow: visible;order: initial;border-color: inherit;}.wp-block-uagb-container.uagb-block-ea16301a .uagb-container__shape-top svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-ea16301a .uagb-container__shape.uagb-container__shape-top .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-ea16301a .uagb-container__shape-bottom svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-ea16301a .uagb-container__shape.uagb-container__shape-bottom .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-ea16301a .uagb-container__video-wrap video{opacity: 1;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-ea16301a{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-ea16301a > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1320px);max-width: var(--inner-content-custom-width);width: 100%;}.wp-block-uagb-container.uagb-block-ea16301a.uagb-layout-grid > .uagb-container-inner-blocks-wrap{row-gap: 40px;column-gap: 40px;grid-template-columns: minmax( 1px, 1fr)  minmax( 1px, 1fr) ;grid-template-rows: minmax( 1px, 1fr) ;align-items: start;justify-items: stretch;align-content: stretch;justify-content: stretch;}.wp-block-uagb-container.uagb-block-ea16301a{box-shadow: 0px 0px   #00000070 ;padding-top: 0px;padding-bottom: 0px;padding-left: 0px;padding-right: 0px;margin-top:  !important;margin-bottom:  !important;overflow: visible;order: initial;border-color: inherit;}.wp-block-uagb-container.uagb-block-ea16301a.wp-block-uagb-container > *:not( .wp-block-uagb-column ):not( .wp-block-uagb-section ):not( .uagb-container__shape ):not( .uagb-container__video-wrap ):not( .uagb-slider-container ):not( .spectra-container-link-overlay ):not(.spectra-image-gallery__control-lightbox):not(.wp-block-uagb-lottie):not(.uagb-container-inner-blocks-wrap){width: auto !important;}.wp-block-uagb-container.uagb-block-ea16301a.wp-block-uagb-container > .uagb-container-inner-blocks-wrap > *:not( .wp-block-uagb-column ):not( .wp-block-uagb-section ):not( .uagb-container__shape ):not( .uagb-container__video-wrap ):not( .uagb-slider-container ):not(.spectra-image-gallery__control-lightbox){width: auto !important;}.wp-block-uagb-container.uagb-block-26ccc5c9 .uagb-container__shape-top svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-26ccc5c9 .uagb-container__shape.uagb-container__shape-top .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-26ccc5c9 .uagb-container__shape-bottom svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-26ccc5c9 .uagb-container__shape.uagb-container__shape-bottom .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-26ccc5c9 .uagb-container__video-wrap video{opacity: 1;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-26ccc5c9{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-26ccc5c9 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1320px);max-width: var(--inner-content-custom-width);width: 100%;flex-direction: column;align-items: center;justify-content: flex-start;flex-wrap: nowrap;}.wp-block-uagb-container.uagb-block-26ccc5c9{min-height: 710px;box-shadow: 3px 7px 7px -1px rgba(0,0,0,0.15) ;margin-top:  !important;margin-bottom:  !important;overflow: visible;order: initial;border-color: inherit;background-color: #ffffff;;flex-direction: column;align-items: center;justify-content: flex-start;flex-wrap: nowrap;align-self: start;}.wp-block-uagb-container.uagb-block-84f50fa3 .uagb-container__shape-top svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-84f50fa3 .uagb-container__shape.uagb-container__shape-top .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-84f50fa3 .uagb-container__shape-bottom svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-84f50fa3 .uagb-container__shape.uagb-container__shape-bottom .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-84f50fa3 .uagb-container__video-wrap video{opacity: 1;background: url(https:\/\/wp-stage.familylife.com\/www\/wp-content\/uploads\/sites\/1001\/2024\/07\/Grow-with-your-family_545x307.jpg) 50% 50%;;background-size: cover;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-84f50fa3{max-width: 100vw;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-84f50fa3 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1320px);max-width: var(--inner-content-custom-width);width: 100%;flex-direction: column;align-items: center;justify-content: center;flex-wrap: nowrap;}.wp-block-uagb-container.uagb-block-84f50fa3{min-height: 250px;box-shadow: 0px 0px   #00000070 ;margin-top:  !important;margin-bottom:  !important;overflow: visible;order: initial;border-color: inherit;background-repeat: no-repeat;background-position: 50% 50%;background-size: cover;background-attachment: scroll;background-image: url(https:\/\/wp-stage.familylife.com\/www\/wp-content\/uploads\/sites\/1001\/2025\/03\/Grow-with-your-family_545x307.webp);background-clip: padding-box;flex-direction: column;align-items: center;justify-content: center;flex-wrap: nowrap;}.wp-block-uagb-container.uagb-block-271bf38d .uagb-container__shape-top svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-271bf38d .uagb-container__shape.uagb-container__shape-top .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-271bf38d .uagb-container__shape-bottom svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-271bf38d .uagb-container__shape.uagb-container__shape-bottom .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-271bf38d .uagb-container__video-wrap video{opacity: 1;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-271bf38d{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-271bf38d > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1320px);max-width: var(--inner-content-custom-width);width: 100%;flex-direction: column;align-items: center;justify-content: center;flex-wrap: nowrap;row-gap: 40px;}.wp-block-uagb-container.uagb-block-271bf38d{box-shadow: 0px 0px   #00000070 ;padding-top: 20px;padding-bottom: 40px;padding-left: 40px;padding-right: 40px;margin-top:  !important;margin-bottom:  !important;overflow: visible;order: initial;border-color: inherit;flex-direction: column;align-items: center;justify-content: center;flex-wrap: nowrap;row-gap: 40px;}.wp-block-uagb-container.uagb-block-ab8d0982 .uagb-container__shape-top svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-ab8d0982 .uagb-container__shape.uagb-container__shape-top .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-ab8d0982 .uagb-container__shape-bottom svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-ab8d0982 .uagb-container__shape.uagb-container__shape-bottom .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-ab8d0982 .uagb-container__video-wrap video{opacity: 1;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-ab8d0982{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-ab8d0982 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1320px);max-width: var(--inner-content-custom-width);width: 100%;}.wp-block-uagb-container.uagb-block-ab8d0982.uagb-layout-grid{row-gap: 8px;column-gap: 8px;grid-template-columns: auto  minmax( 1px, 1fr) ;grid-template-rows: minmax( 1px, 1fr) ;align-items: stretch;justify-items: stretch;align-content: stretch;justify-content: stretch;}.wp-block-uagb-container.uagb-block-ab8d0982{box-shadow: 0px 0px   #00000070 ;margin-top:  !important;margin-bottom:  !important;overflow: visible;order: initial;border-color: inherit;}.wp-block-uagb-container.uagb-block-ab8d0982.wp-block-uagb-container > *:not( .wp-block-uagb-column ):not( .wp-block-uagb-section ):not( .uagb-container__shape ):not( .uagb-container__video-wrap ):not( .uagb-slider-container ):not( .spectra-container-link-overlay ):not(.spectra-image-gallery__control-lightbox):not(.wp-block-uagb-lottie):not(.uagb-container-inner-blocks-wrap){width: auto !important;}.wp-block-uagb-container.uagb-block-ab8d0982.wp-block-uagb-container > .uagb-container-inner-blocks-wrap > *:not( .wp-block-uagb-column ):not( .wp-block-uagb-section ):not( .uagb-container__shape ):not( .uagb-container__video-wrap ):not( .uagb-slider-container ):not(.spectra-image-gallery__control-lightbox){width: auto !important;}.wp-block-uagb-advanced-heading.uagb-block-d4c1a7e3.wp-block-uagb-advanced-heading .uagb-heading-text{color: #25282a;}.wp-block-uagb-advanced-heading.uagb-block-d4c1a7e3.wp-block-uagb-advanced-heading .uagb-desc-text{margin-bottom: 15px;}.wp-block-uagb-advanced-heading.uagb-block-d4c1a7e3.wp-block-uagb-advanced-heading .uagb-highlight{font-style: normal;font-weight: Default;background: #007cba;color: #fff;-webkit-text-fill-color: #fff;}.wp-block-uagb-advanced-heading.uagb-block-d4c1a7e3.wp-block-uagb-advanced-heading .uagb-highlight::-moz-selection{color: #fff;background: #007cba;-webkit-text-fill-color: #fff;}.wp-block-uagb-advanced-heading.uagb-block-d4c1a7e3.wp-block-uagb-advanced-heading .uagb-highlight::selection{color: #fff;background: #007cba;-webkit-text-fill-color: #fff;}.wp-block-uagb-advanced-heading.uagb-block-d4c1a7e3 .uagb-heading-text{font-weight: 300;font-size: 16px;}.uagb-block-f9d54988.wp-block-uagb-separator{text-align: left;}.uagb-block-f9d54988.wp-block-uagb-separator--text .wp-block-uagb-separator-element .uagb-html-tag{font-style: normal;line-height: 1em;}.uagb-block-f9d54988 .uagb-separator-spacing-wrapper{padding-top: 4px;padding-bottom: 4px;}.uagb-block-f9d54988.wp-block-uagb-separator:not(.wp-block-uagb-separator--text):not(.wp-block-uagb-separator--icon) .wp-block-uagb-separator__inner{-webkit-mask-size: 5px 100%;border-top-width: 3px;width: 100%;border-top-color: #eabe5e;border-top-style: solid;margin-top: 5px;margin-bottom: 5px;}.wp-block-uagb-advanced-heading.uagb-block-3208cc36.wp-block-uagb-advanced-heading .uagb-heading-text{color: #006a5a;}.wp-block-uagb-advanced-heading.uagb-block-3208cc36.wp-block-uagb-advanced-heading .uagb-desc-text{margin-bottom: 15px;}.wp-block-uagb-advanced-heading.uagb-block-3208cc36.wp-block-uagb-advanced-heading .uagb-highlight{font-style: normal;font-weight: Default;background: #007cba;color: #fff;-webkit-text-fill-color: #fff;}.wp-block-uagb-advanced-heading.uagb-block-3208cc36.wp-block-uagb-advanced-heading .uagb-highlight::-moz-selection{color: #fff;background: #007cba;-webkit-text-fill-color: #fff;}.wp-block-uagb-advanced-heading.uagb-block-3208cc36.wp-block-uagb-advanced-heading .uagb-highlight::selection{color: #fff;background: #007cba;-webkit-text-fill-color: #fff;}.wp-block-uagb-advanced-heading.uagb-block-3208cc36 .uagb-heading-text{font-weight: 400;font-size: 26px;line-height: 1.2em;}.wp-block-uagb-icon-list.uagb-block-cbb8c5bd .uagb-icon-list__source-image{width: 18px;}.wp-block-uagb-icon-list.uagb-block-cbb8c5bd .wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap svg{width: 18px;height: 18px;font-size: 18px;color: #1573a2;fill: #1573a2;}.wp-block-uagb-icon-list.uagb-block-cbb8c5bd .wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap{padding: 0px;border-radius: 0px;border-width: 0px;align-self: center;}.wp-block-uagb-icon-list.uagb-block-cbb8c5bd .wp-block-uagb-icon-list-child .uagb-icon-list__label{font-size: 20px;text-decoration: !important;line-height: em;color: #1573a2;}.wp-block-uagb-icon-list.uagb-block-cbb8c5bd .uagb-icon-list__wrap{display: flex;flex-direction: column;justify-content: center;-webkit-box-pack: center;-ms-flex-pack: center;-webkit-box-align: flex-start;-ms-flex-align: flex-start;align-items: flex-start;padding-top: 0px;padding-right: 0px;padding-bottom: 0px;padding-left: 0px;}.wp-block-uagb-icon-list.uagb-block-cbb8c5bd .uagb-icon-list__label{text-align: left;}.wp-block-uagb-icon-list.uagb-block-cbb8c5bd .wp-block-uagb-icon-list-child{text-decoration: !important;font-size: 20px;line-height: em;}.wp-block-uagb-icon-list.uagb-block-cbb8c5bd.wp-block-uagb-icon-list .wp-block-uagb-icon-list-child{margin-left: 0;margin-right: 0;margin-bottom: 24px;}.wp-block-uagb-icon-list.uagb-block-cbb8c5bd .uagb-icon-list__source-wrap{margin-left: 15px;}.wp-block-uagb-icon-list.uagb-block-cbb8c5bd .wp-block-uagb-icon-list-child {flex-direction: row-reverse;}.uagb-block-fdd052c2.wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap{background:  !important;border-color:  !important;}.uagb-block-fdd052c2.wp-block-uagb-icon-list-child:hover .uagb-icon-list__source-wrap{background:  !important;border-color:  !important;}.uagb-block-679dc0da.wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap{background:  !important;border-color:  !important;}.uagb-block-679dc0da.wp-block-uagb-icon-list-child:hover .uagb-icon-list__source-wrap{background:  !important;border-color:  !important;}.uagb-block-fbb8dca6.wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap{background:  !important;border-color:  !important;}.uagb-block-fbb8dca6.wp-block-uagb-icon-list-child:hover .uagb-icon-list__source-wrap{background:  !important;border-color:  !important;}.uagb-block-b5e9a44d.wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap{background:  !important;border-color:  !important;}.uagb-block-b5e9a44d.wp-block-uagb-icon-list-child:hover .uagb-icon-list__source-wrap{background:  !important;border-color:  !important;}.uagb-block-10525170.wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap{background:  !important;border-color:  !important;}.uagb-block-10525170.wp-block-uagb-icon-list-child:hover .uagb-icon-list__source-wrap{background:  !important;border-color:  !important;}.wp-block-uagb-container.uagb-block-48a597f8 .uagb-container__shape-top svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-48a597f8 .uagb-container__shape.uagb-container__shape-top .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-48a597f8 .uagb-container__shape-bottom svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-48a597f8 .uagb-container__shape.uagb-container__shape-bottom .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-48a597f8 .uagb-container__video-wrap video{opacity: 1;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-48a597f8{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-48a597f8 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1320px);max-width: var(--inner-content-custom-width);width: 100%;flex-direction: column;align-items: center;justify-content: flex-start;flex-wrap: nowrap;}.wp-block-uagb-container.uagb-block-48a597f8{min-height: 710px;box-shadow: 3px 7px 7px -1px rgba(0,0,0,0.15) ;margin-top:  !important;margin-bottom:  !important;overflow: visible;order: initial;border-color: inherit;background-color: #ffffff;;flex-direction: column;align-items: center;justify-content: flex-start;flex-wrap: nowrap;align-self: start;}.wp-block-uagb-container.uagb-block-22a41c70 .uagb-container__shape-top svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-22a41c70 .uagb-container__shape.uagb-container__shape-top .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-22a41c70 .uagb-container__shape-bottom svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-22a41c70 .uagb-container__shape.uagb-container__shape-bottom .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-22a41c70 .uagb-container__video-wrap video{opacity: 1;background: url(https:\/\/wp-stage.familylife.com\/www\/wp-content\/uploads\/sites\/1001\/2024\/07\/Grow-with-your-family_545x307.jpg) 50% 50%;;background-size: cover;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-22a41c70{max-width: 100vw;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-22a41c70 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1320px);max-width: var(--inner-content-custom-width);width: 100%;flex-direction: column;align-items: center;justify-content: center;flex-wrap: nowrap;}.wp-block-uagb-container.uagb-block-22a41c70{min-height: 250px;box-shadow: 0px 0px   #00000070 ;margin-top:  !important;margin-bottom:  !important;overflow: visible;order: initial;border-color: inherit;background-repeat: no-repeat;background-position: 50% 50%;background-size: cover;background-attachment: scroll;background-image: url(https:\/\/wp-stage.familylife.com\/www\/wp-content\/uploads\/sites\/1001\/2025\/03\/HelpFamiliesGrow2.webp);background-clip: padding-box;flex-direction: column;align-items: center;justify-content: center;flex-wrap: nowrap;}.wp-block-uagb-container.uagb-block-562935bf .uagb-container__shape-top svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-562935bf .uagb-container__shape.uagb-container__shape-top .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-562935bf .uagb-container__shape-bottom svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-562935bf .uagb-container__shape.uagb-container__shape-bottom .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-562935bf .uagb-container__video-wrap video{opacity: 1;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-562935bf{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-562935bf > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1320px);max-width: var(--inner-content-custom-width);width: 100%;flex-direction: column;align-items: center;justify-content: center;flex-wrap: nowrap;row-gap: 40px;}.wp-block-uagb-container.uagb-block-562935bf{box-shadow: 0px 0px   #00000070 ;padding-top: 20px;padding-bottom: 40px;padding-left: 40px;padding-right: 40px;margin-top:  !important;margin-bottom:  !important;overflow: visible;order: initial;border-color: inherit;flex-direction: column;align-items: center;justify-content: center;flex-wrap: nowrap;row-gap: 40px;}.wp-block-uagb-container.uagb-block-5a1442f2 .uagb-container__shape-top svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-5a1442f2 .uagb-container__shape.uagb-container__shape-top .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-5a1442f2 .uagb-container__shape-bottom svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-5a1442f2 .uagb-container__shape.uagb-container__shape-bottom .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-5a1442f2 .uagb-container__video-wrap video{opacity: 1;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-5a1442f2{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-5a1442f2 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1320px);max-width: var(--inner-content-custom-width);width: 100%;}.wp-block-uagb-container.uagb-block-5a1442f2.uagb-layout-grid{row-gap: 8px;column-gap: 8px;grid-template-columns: auto  minmax( 1px, 1fr) ;grid-template-rows: minmax( 1px, 1fr) ;align-items: stretch;justify-items: stretch;align-content: stretch;justify-content: stretch;}.wp-block-uagb-container.uagb-block-5a1442f2{box-shadow: 0px 0px   #00000070 ;margin-top:  !important;margin-bottom:  !important;overflow: visible;order: initial;border-color: inherit;}.wp-block-uagb-container.uagb-block-5a1442f2.wp-block-uagb-container > *:not( .wp-block-uagb-column ):not( .wp-block-uagb-section ):not( .uagb-container__shape ):not( .uagb-container__video-wrap ):not( .uagb-slider-container ):not( .spectra-container-link-overlay ):not(.spectra-image-gallery__control-lightbox):not(.wp-block-uagb-lottie):not(.uagb-container-inner-blocks-wrap){width: auto !important;}.wp-block-uagb-container.uagb-block-5a1442f2.wp-block-uagb-container > .uagb-container-inner-blocks-wrap > *:not( .wp-block-uagb-column ):not( .wp-block-uagb-section ):not( .uagb-container__shape ):not( .uagb-container__video-wrap ):not( .uagb-slider-container ):not(.spectra-image-gallery__control-lightbox){width: auto !important;}.wp-block-uagb-advanced-heading.uagb-block-d9c0200f.wp-block-uagb-advanced-heading .uagb-heading-text{color: #25282a;}.wp-block-uagb-advanced-heading.uagb-block-d9c0200f.wp-block-uagb-advanced-heading .uagb-desc-text{margin-bottom: 15px;}.wp-block-uagb-advanced-heading.uagb-block-d9c0200f.wp-block-uagb-advanced-heading .uagb-highlight{font-style: normal;font-weight: Default;background: #007cba;color: #fff;-webkit-text-fill-color: #fff;}.wp-block-uagb-advanced-heading.uagb-block-d9c0200f.wp-block-uagb-advanced-heading .uagb-highlight::-moz-selection{color: #fff;background: #007cba;-webkit-text-fill-color: #fff;}.wp-block-uagb-advanced-heading.uagb-block-d9c0200f.wp-block-uagb-advanced-heading .uagb-highlight::selection{color: #fff;background: #007cba;-webkit-text-fill-color: #fff;}.wp-block-uagb-advanced-heading.uagb-block-d9c0200f .uagb-heading-text{font-weight: 300;font-size: 16px;}.uagb-block-aa17f10e.wp-block-uagb-separator{text-align: left;}.uagb-block-aa17f10e.wp-block-uagb-separator--text .wp-block-uagb-separator-element .uagb-html-tag{font-style: normal;line-height: 1em;}.uagb-block-aa17f10e .uagb-separator-spacing-wrapper{padding-top: 4px;padding-bottom: 4px;}.uagb-block-aa17f10e.wp-block-uagb-separator:not(.wp-block-uagb-separator--text):not(.wp-block-uagb-separator--icon) .wp-block-uagb-separator__inner{-webkit-mask-size: 5px 100%;border-top-width: 3px;width: 100%;border-top-color: #eabe5e;border-top-style: solid;margin-top: 5px;margin-bottom: 5px;}.wp-block-uagb-advanced-heading.uagb-block-31f155e3.wp-block-uagb-advanced-heading .uagb-heading-text{color: #006a5a;}.wp-block-uagb-advanced-heading.uagb-block-31f155e3.wp-block-uagb-advanced-heading .uagb-desc-text{margin-bottom: 15px;}.wp-block-uagb-advanced-heading.uagb-block-31f155e3.wp-block-uagb-advanced-heading .uagb-highlight{font-style: normal;font-weight: Default;background: #007cba;color: #fff;-webkit-text-fill-color: #fff;}.wp-block-uagb-advanced-heading.uagb-block-31f155e3.wp-block-uagb-advanced-heading .uagb-highlight::-moz-selection{color: #fff;background: #007cba;-webkit-text-fill-color: #fff;}.wp-block-uagb-advanced-heading.uagb-block-31f155e3.wp-block-uagb-advanced-heading .uagb-highlight::selection{color: #fff;background: #007cba;-webkit-text-fill-color: #fff;}.wp-block-uagb-advanced-heading.uagb-block-31f155e3 .uagb-heading-text{font-weight: 400;font-size: 26px;line-height: 1.2em;}.wp-block-uagb-icon-list.uagb-block-ced20c64 .uagb-icon-list__source-image{width: 18px;}.wp-block-uagb-icon-list.uagb-block-ced20c64 .wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap svg{width: 18px;height: 18px;font-size: 18px;color: #1573a2;fill: #1573a2;}.wp-block-uagb-icon-list.uagb-block-ced20c64 .wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap{padding: 0px;border-radius: 0px;border-width: 0px;align-self: center;}.wp-block-uagb-icon-list.uagb-block-ced20c64 .wp-block-uagb-icon-list-child .uagb-icon-list__label{font-size: 20px;text-decoration: !important;line-height: em;color: #1573a2;}.wp-block-uagb-icon-list.uagb-block-ced20c64 .uagb-icon-list__wrap{display: flex;flex-direction: column;justify-content: center;-webkit-box-pack: center;-ms-flex-pack: center;-webkit-box-align: flex-start;-ms-flex-align: flex-start;align-items: flex-start;padding-top: 0px;padding-right: 0px;padding-bottom: 0px;padding-left: 0px;}.wp-block-uagb-icon-list.uagb-block-ced20c64 .uagb-icon-list__label{text-align: left;}.wp-block-uagb-icon-list.uagb-block-ced20c64 .wp-block-uagb-icon-list-child{text-decoration: !important;font-size: 20px;line-height: em;}.wp-block-uagb-icon-list.uagb-block-ced20c64.wp-block-uagb-icon-list .wp-block-uagb-icon-list-child{margin-left: 0;margin-right: 0;margin-bottom: 24px;}.wp-block-uagb-icon-list.uagb-block-ced20c64 .uagb-icon-list__source-wrap{margin-left: 15px;}.wp-block-uagb-icon-list.uagb-block-ced20c64 .wp-block-uagb-icon-list-child {flex-direction: row-reverse;}.uagb-block-83befcbf.wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap{background:  !important;border-color:  !important;}.uagb-block-83befcbf.wp-block-uagb-icon-list-child:hover .uagb-icon-list__source-wrap{background:  !important;border-color:  !important;}.uagb-block-75d2f158.wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap{background:  !important;border-color:  !important;}.uagb-block-75d2f158.wp-block-uagb-icon-list-child:hover .uagb-icon-list__source-wrap{background:  !important;border-color:  !important;}.uagb-block-0d14af90.wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap{background:  !important;border-color:  !important;}.uagb-block-0d14af90.wp-block-uagb-icon-list-child:hover .uagb-icon-list__source-wrap{background:  !important;border-color:  !important;}.uagb-block-4dd6f9d3.wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap{background:  !important;border-color:  !important;}.uagb-block-4dd6f9d3.wp-block-uagb-icon-list-child:hover .uagb-icon-list__source-wrap{background:  !important;border-color:  !important;}.uagb-block-28c58e21.wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap{background:  !important;border-color:  !important;}.uagb-block-28c58e21.wp-block-uagb-icon-list-child:hover .uagb-icon-list__source-wrap{background:  !important;border-color:  !important;}@media only screen and (max-width: 976px) {.wp-block-uagb-container.uagb-is-root-container .uagb-block-85559158{width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-85559158 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1024px);max-width: var(--inner-content-custom-width);width: 100%;}.wp-block-uagb-container.uagb-block-85559158{padding-top: 0px;padding-bottom: 0px;padding-left: 10px;padding-right: 10px;margin-top: 60px !important;margin-bottom: 60px !important;margin-left: 0px;margin-right: 0px;order: initial;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-ea16301a{width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-ea16301a > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1024px);max-width: var(--inner-content-custom-width);width: 100%;}.wp-block-uagb-container.uagb-block-ea16301a.uagb-layout-grid > .uagb-container-inner-blocks-wrap{grid-template-columns: minmax( 1px, 1fr)  minmax( 1px, 1fr) ;grid-template-rows: minmax( 1px, 1fr) ;align-items: stretch;justify-items: stretch;align-content: stretch;justify-content: stretch;}.wp-block-uagb-container.uagb-block-ea16301a{padding-top: 0px;padding-bottom: 0px;padding-left: 0px;padding-right: 0px;margin-top:  !important;margin-bottom:  !important;order: initial;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-26ccc5c9{width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-26ccc5c9 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1024px);max-width: var(--inner-content-custom-width);width: 100%;}.wp-block-uagb-container.uagb-block-26ccc5c9{margin-top:  !important;margin-bottom:  !important;order: initial;background-color: #ffffff;;grid-column: span 1;grid-row: span 1;align-self: stretch;justify-self: stretch;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-84f50fa3{width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-84f50fa3 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1024px);max-width: var(--inner-content-custom-width);width: 100%;}.wp-block-uagb-container.uagb-block-84f50fa3{margin-top:  !important;margin-bottom:  !important;order: initial;background-position: 54% 48%;background-size: cover;background-image: url(https:\/\/wp-stage.familylife.com\/www\/wp-content\/uploads\/sites\/1001\/2025\/03\/Grow-with-your-family_545x307.webp);background-clip: padding-box;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-271bf38d{width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-271bf38d > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1024px);max-width: var(--inner-content-custom-width);width: 100%;}.wp-block-uagb-container.uagb-block-271bf38d{padding-top: 20px;padding-bottom: 40px;padding-left: 40px;padding-right: 40px;margin-top:  !important;margin-bottom:  !important;order: initial;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-ab8d0982{width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-ab8d0982 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1024px);max-width: var(--inner-content-custom-width);width: 100%;}.wp-block-uagb-container.uagb-block-ab8d0982.uagb-layout-grid{grid-template-columns: minmax( 1px, 1fr) ;grid-template-rows: minmax( 1px, 1fr) ;align-items: stretch;justify-items: stretch;align-content: stretch;justify-content: stretch;}.wp-block-uagb-container.uagb-block-ab8d0982{margin-top:  !important;margin-bottom:  !important;order: initial;}.wp-block-uagb-container.uagb-block-ab8d0982.wp-block-uagb-container > *:not( .wp-block-uagb-column ):not( .wp-block-uagb-section ):not( .uagb-container__shape ):not( .uagb-container__video-wrap ):not( .uagb-slider-container ):not( .spectra-container-link-overlay ):not(.spectra-image-gallery__control-lightbox):not(.wp-block-uagb-lottie):not(.uagb-container-inner-blocks-wrap){width: 100%;}.wp-block-uagb-container.uagb-block-ab8d0982.wp-block-uagb-container > .uagb-container-inner-blocks-wrap > *:not( .wp-block-uagb-column ):not( .wp-block-uagb-section ):not( .uagb-container__shape ):not( .uagb-container__video-wrap ):not( .uagb-slider-container ):not(.spectra-image-gallery__control-lightbox){width: 100%;}.wp-block-uagb-advanced-heading.uagb-block-d4c1a7e3 .uagb-heading-text{font-size: 12px;letter-spacing: 1px;}.uagb-block-f9d54988.wp-block-uagb-separator{text-align: center;}.uagb-block-f9d54988.wp-block-uagb-separator--text .wp-block-uagb-separator-element .uagb-html-tag{font-style: normal;margin-bottom: initial;line-height: 1em;}.uagb-block-f9d54988 .uagb-separator-spacing-wrapper{padding-top: 10px;padding-bottom: 10px;}.uagb-block-f9d54988.wp-block-uagb-separator:not(.wp-block-uagb-separator--text):not(.wp-block-uagb-separator--icon) .wp-block-uagb-separator__inner{-webkit-mask-size: 5px 100%;width: 100%;border-top-color: #eabe5e;border-top-style: solid;margin-top: 5px;margin-bottom: 5px;}.wp-block-uagb-icon-list.uagb-block-cbb8c5bd .uagb-icon-list__source-image{width: 18px;}.wp-block-uagb-icon-list.uagb-block-cbb8c5bd .wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap svg{width: 18px;height: 18px;font-size: 18px;}.wp-block-uagb-icon-list.uagb-block-cbb8c5bd .wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap {padding: 0px;border-width: 0px;align-self: center;}.wp-block-uagb-icon-list.uagb-block-cbb8c5bd .uagb-icon-list__wrap{display: flex;flex-direction: column;justify-content: center;-webkit-box-pack: center;-ms-flex-pack: center;-webkit-box-align: flex-start;-ms-flex-align: flex-start;align-items: flex-start;}.wp-block-uagb-icon-list.uagb-block-cbb8c5bd.wp-block-uagb-icon-list .wp-block-uagb-icon-list-child{margin-left: 0;margin-right: 0;margin-bottom: 24px;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-48a597f8{width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-48a597f8 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1024px);max-width: var(--inner-content-custom-width);width: 100%;}.wp-block-uagb-container.uagb-block-48a597f8{margin-top:  !important;margin-bottom:  !important;order: initial;background-color: #ffffff;;grid-column: span 1;grid-row: span 1;align-self: stretch;justify-self: stretch;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-22a41c70{width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-22a41c70 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1024px);max-width: var(--inner-content-custom-width);width: 100%;}.wp-block-uagb-container.uagb-block-22a41c70{margin-top:  !important;margin-bottom:  !important;order: initial;background-position: 54% 48%;background-size: cover;background-image: url(https:\/\/wp-stage.familylife.com\/www\/wp-content\/uploads\/sites\/1001\/2025\/03\/HelpFamiliesGrow2.webp);background-clip: padding-box;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-562935bf{width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-562935bf > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1024px);max-width: var(--inner-content-custom-width);width: 100%;}.wp-block-uagb-container.uagb-block-562935bf{padding-top: 20px;padding-bottom: 40px;padding-left: 40px;padding-right: 40px;margin-top:  !important;margin-bottom:  !important;order: initial;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-5a1442f2{width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-5a1442f2 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1024px);max-width: var(--inner-content-custom-width);width: 100%;}.wp-block-uagb-container.uagb-block-5a1442f2.uagb-layout-grid{grid-template-columns: minmax( 1px, 1fr) ;grid-template-rows: minmax( 1px, 1fr) ;align-items: stretch;justify-items: stretch;align-content: stretch;justify-content: stretch;}.wp-block-uagb-container.uagb-block-5a1442f2{margin-top:  !important;margin-bottom:  !important;order: initial;}.wp-block-uagb-container.uagb-block-5a1442f2.wp-block-uagb-container > *:not( .wp-block-uagb-column ):not( .wp-block-uagb-section ):not( .uagb-container__shape ):not( .uagb-container__video-wrap ):not( .uagb-slider-container ):not( .spectra-container-link-overlay ):not(.spectra-image-gallery__control-lightbox):not(.wp-block-uagb-lottie):not(.uagb-container-inner-blocks-wrap){width: 100%;}.wp-block-uagb-container.uagb-block-5a1442f2.wp-block-uagb-container > .uagb-container-inner-blocks-wrap > *:not( .wp-block-uagb-column ):not( .wp-block-uagb-section ):not( .uagb-container__shape ):not( .uagb-container__video-wrap ):not( .uagb-slider-container ):not(.spectra-image-gallery__control-lightbox){width: 100%;}.wp-block-uagb-advanced-heading.uagb-block-d9c0200f .uagb-heading-text{font-size: 12px;letter-spacing: 1px;}.uagb-block-aa17f10e.wp-block-uagb-separator{text-align: center;}.uagb-block-aa17f10e.wp-block-uagb-separator--text .wp-block-uagb-separator-element .uagb-html-tag{font-style: normal;margin-bottom: initial;line-height: 1em;}.uagb-block-aa17f10e .uagb-separator-spacing-wrapper{padding-top: 10px;padding-bottom: 10px;}.uagb-block-aa17f10e.wp-block-uagb-separator:not(.wp-block-uagb-separator--text):not(.wp-block-uagb-separator--icon) .wp-block-uagb-separator__inner{-webkit-mask-size: 5px 100%;width: 100%;border-top-color: #eabe5e;border-top-style: solid;margin-top: 5px;margin-bottom: 5px;}.wp-block-uagb-icon-list.uagb-block-ced20c64 .uagb-icon-list__source-image{width: 18px;}.wp-block-uagb-icon-list.uagb-block-ced20c64 .wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap svg{width: 18px;height: 18px;font-size: 18px;}.wp-block-uagb-icon-list.uagb-block-ced20c64 .wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap {padding: 0px;border-width: 0px;align-self: center;}.wp-block-uagb-icon-list.uagb-block-ced20c64 .uagb-icon-list__wrap{display: flex;flex-direction: column;justify-content: center;-webkit-box-pack: center;-ms-flex-pack: center;-webkit-box-align: flex-start;-ms-flex-align: flex-start;align-items: flex-start;}.wp-block-uagb-icon-list.uagb-block-ced20c64.wp-block-uagb-icon-list .wp-block-uagb-icon-list-child{margin-left: 0;margin-right: 0;margin-bottom: 24px;}}@media only screen and (max-width: 767px) {.wp-block-uagb-container.uagb-is-root-container .uagb-block-85559158{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-85559158 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 767px);max-width: var(--inner-content-custom-width);width: 100%;flex-wrap: wrap;}.wp-block-uagb-container.uagb-block-85559158{padding-top: 0px;padding-bottom: 0px;padding-left: 10px;padding-right: 10px;margin-top: 60px !important;margin-bottom: 60px !important;margin-left: 0px;margin-right: 0px;order: initial;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-ea16301a{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-ea16301a > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 767px);max-width: var(--inner-content-custom-width);width: 100%;}.wp-block-uagb-container.uagb-block-ea16301a.uagb-layout-grid > .uagb-container-inner-blocks-wrap{grid-template-columns: minmax( 1px, 1fr) ;grid-template-rows: minmax( 1px, 1fr) ;align-items: stretch;justify-items: stretch;align-content: stretch;justify-content: stretch;}.wp-block-uagb-container.uagb-block-ea16301a{padding-top: 0px;padding-bottom: 0px;padding-left: 0px;padding-right: 0px;margin-top:  !important;margin-bottom:  !important;order: initial;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-26ccc5c9{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-26ccc5c9 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 767px);max-width: var(--inner-content-custom-width);width: 100%;flex-wrap: wrap;}.wp-block-uagb-container.uagb-block-26ccc5c9{padding-top: 0px;padding-bottom: 0px;padding-left: 0px;padding-right: 0px;margin-top: 0px !important;margin-bottom: 0px !important;margin-left: 0px;margin-right: 0px;order: initial;background-color: #ffffff;;flex-wrap: wrap;grid-column: span 1;grid-row: span 1;align-self: stretch;justify-self: stretch;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-84f50fa3{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-84f50fa3 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 767px);max-width: var(--inner-content-custom-width);width: 100%;flex-wrap: wrap;}.wp-block-uagb-container.uagb-block-84f50fa3{margin-top:  !important;margin-bottom:  !important;order: initial;background-image: url(https:\/\/wp-stage.familylife.com\/www\/wp-content\/uploads\/sites\/1001\/2025\/03\/Grow-with-your-family_545x307.webp);background-clip: padding-box;flex-wrap: wrap;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-271bf38d{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-271bf38d > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 767px);max-width: var(--inner-content-custom-width);width: 100%;flex-wrap: wrap;}.wp-block-uagb-container.uagb-block-271bf38d{padding-top: 20px;padding-bottom: 40px;padding-left: 40px;padding-right: 40px;margin-top:  !important;margin-bottom:  !important;order: initial;flex-wrap: wrap;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-ab8d0982{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-ab8d0982 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 767px);max-width: var(--inner-content-custom-width);width: 100%;}.wp-block-uagb-container.uagb-block-ab8d0982.uagb-layout-grid{grid-template-columns: minmax( 1px, 1fr) ;grid-template-rows: minmax( 1px, 1fr) ;align-items: stretch;justify-items: stretch;align-content: stretch;justify-content: stretch;}.wp-block-uagb-container.uagb-block-ab8d0982{margin-top:  !important;margin-bottom:  !important;order: initial;}.wp-block-uagb-container.uagb-block-ab8d0982.wp-block-uagb-container > *:not( .wp-block-uagb-column ):not( .wp-block-uagb-section ):not( .uagb-container__shape ):not( .uagb-container__video-wrap ):not( .uagb-slider-container ):not( .spectra-container-link-overlay ):not(.spectra-image-gallery__control-lightbox):not(.wp-block-uagb-lottie):not(.uagb-container-inner-blocks-wrap){width: 100%;}.wp-block-uagb-container.uagb-block-ab8d0982.wp-block-uagb-container > .uagb-container-inner-blocks-wrap > *:not( .wp-block-uagb-column ):not( .wp-block-uagb-section ):not( .uagb-container__shape ):not( .uagb-container__video-wrap ):not( .uagb-slider-container ):not(.spectra-image-gallery__control-lightbox){width: 100%;}.wp-block-uagb-advanced-heading.uagb-block-d4c1a7e3.wp-block-uagb-advanced-heading {padding-left: 40px;}.wp-block-uagb-advanced-heading.uagb-block-d4c1a7e3 .uagb-heading-text{letter-spacing: 4px;}.uagb-block-f9d54988.wp-block-uagb-separator{text-align: center;}.uagb-block-f9d54988.wp-block-uagb-separator--text .wp-block-uagb-separator-element .uagb-html-tag{font-style: normal;margin-bottom: initial;line-height: 1em;}.uagb-block-f9d54988 .uagb-separator-spacing-wrapper{padding-top: 10px;padding-bottom: 10px;}.uagb-block-f9d54988.wp-block-uagb-separator:not(.wp-block-uagb-separator--text):not(.wp-block-uagb-separator--icon) .wp-block-uagb-separator__inner{-webkit-mask-size: 5px 100%;width: 100%;border-top-color: #eabe5e;border-top-style: solid;margin-top: 5px;margin-bottom: 5px;}.wp-block-uagb-icon-list.uagb-block-cbb8c5bd .uagb-icon-list__source-image{width: 18px;}.wp-block-uagb-icon-list.uagb-block-cbb8c5bd .wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap svg{width: 18px;height: 18px;font-size: 18px;}.wp-block-uagb-icon-list.uagb-block-cbb8c5bd .wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap{padding: 0px;border-width: 0px;align-self: center;}.wp-block-uagb-icon-list.uagb-block-cbb8c5bd .uagb-icon-list__wrap{display: flex;flex-direction: column;justify-content: center;-webkit-box-pack: center;-ms-flex-pack: center;-webkit-box-align: flex-start;-ms-flex-align: flex-start;align-items: flex-start;}.wp-block-uagb-icon-list.uagb-block-cbb8c5bd.wp-block-uagb-icon-list .wp-block-uagb-icon-list-child{margin-left: 0;margin-right: 0;margin-bottom: 24px;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-48a597f8{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-48a597f8 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 767px);max-width: var(--inner-content-custom-width);width: 100%;flex-wrap: wrap;}.wp-block-uagb-container.uagb-block-48a597f8{padding-top: 0px;padding-bottom: 0px;padding-left: 0px;padding-right: 0px;margin-top: 0px !important;margin-bottom: 0px !important;margin-left: 0px;margin-right: 0px;order: initial;background-color: #ffffff;;flex-wrap: wrap;grid-column: span 1;grid-row: span 1;align-self: stretch;justify-self: stretch;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-22a41c70{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-22a41c70 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 767px);max-width: var(--inner-content-custom-width);width: 100%;flex-wrap: wrap;}.wp-block-uagb-container.uagb-block-22a41c70{margin-top:  !important;margin-bottom:  !important;order: initial;background-image: url(https:\/\/wp-stage.familylife.com\/www\/wp-content\/uploads\/sites\/1001\/2025\/03\/HelpFamiliesGrow2.webp);background-clip: padding-box;flex-wrap: wrap;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-562935bf{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-562935bf > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 767px);max-width: var(--inner-content-custom-width);width: 100%;flex-wrap: wrap;}.wp-block-uagb-container.uagb-block-562935bf{padding-top: 20px;padding-bottom: 40px;padding-left: 40px;padding-right: 40px;margin-top:  !important;margin-bottom:  !important;order: initial;flex-wrap: wrap;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-5a1442f2{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-5a1442f2 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 767px);max-width: var(--inner-content-custom-width);width: 100%;}.wp-block-uagb-container.uagb-block-5a1442f2.uagb-layout-grid{grid-template-columns: minmax( 1px, 1fr) ;grid-template-rows: minmax( 1px, 1fr) ;align-items: stretch;justify-items: stretch;align-content: stretch;justify-content: stretch;}.wp-block-uagb-container.uagb-block-5a1442f2{margin-top:  !important;margin-bottom:  !important;order: initial;}.wp-block-uagb-container.uagb-block-5a1442f2.wp-block-uagb-container > *:not( .wp-block-uagb-column ):not( .wp-block-uagb-section ):not( .uagb-container__shape ):not( .uagb-container__video-wrap ):not( .uagb-slider-container ):not( .spectra-container-link-overlay ):not(.spectra-image-gallery__control-lightbox):not(.wp-block-uagb-lottie):not(.uagb-container-inner-blocks-wrap){width: 100%;}.wp-block-uagb-container.uagb-block-5a1442f2.wp-block-uagb-container > .uagb-container-inner-blocks-wrap > *:not( .wp-block-uagb-column ):not( .wp-block-uagb-section ):not( .uagb-container__shape ):not( .uagb-container__video-wrap ):not( .uagb-slider-container ):not(.spectra-image-gallery__control-lightbox){width: 100%;}.wp-block-uagb-advanced-heading.uagb-block-d9c0200f.wp-block-uagb-advanced-heading {padding-left: 40px;}.wp-block-uagb-advanced-heading.uagb-block-d9c0200f .uagb-heading-text{letter-spacing: 4px;}.uagb-block-aa17f10e.wp-block-uagb-separator{text-align: center;}.uagb-block-aa17f10e.wp-block-uagb-separator--text .wp-block-uagb-separator-element .uagb-html-tag{font-style: normal;margin-bottom: initial;line-height: 1em;}.uagb-block-aa17f10e .uagb-separator-spacing-wrapper{padding-top: 10px;padding-bottom: 10px;}.uagb-block-aa17f10e.wp-block-uagb-separator:not(.wp-block-uagb-separator--text):not(.wp-block-uagb-separator--icon) .wp-block-uagb-separator__inner{-webkit-mask-size: 5px 100%;width: 100%;border-top-color: #eabe5e;border-top-style: solid;margin-top: 5px;margin-bottom: 5px;}.wp-block-uagb-icon-list.uagb-block-ced20c64 .uagb-icon-list__source-image{width: 18px;}.wp-block-uagb-icon-list.uagb-block-ced20c64 .wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap svg{width: 18px;height: 18px;font-size: 18px;}.wp-block-uagb-icon-list.uagb-block-ced20c64 .wp-block-uagb-icon-list-child .uagb-icon-list__source-wrap{padding: 0px;border-width: 0px;align-self: center;}.wp-block-uagb-icon-list.uagb-block-ced20c64 .uagb-icon-list__wrap{display: flex;flex-direction: column;justify-content: center;-webkit-box-pack: center;-ms-flex-pack: center;-webkit-box-align: flex-start;-ms-flex-align: flex-start;align-items: flex-start;}.wp-block-uagb-icon-list.uagb-block-ced20c64.wp-block-uagb-icon-list .wp-block-uagb-icon-list-child{margin-left: 0;margin-right: 0;margin-bottom: 24px;}}.wp-block-uagb-container.uagb-block-ecebc267 .uagb-container__shape-top svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-ecebc267 .uagb-container__shape.uagb-container__shape-top .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-ecebc267 .uagb-container__shape-bottom svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-ecebc267 .uagb-container__shape.uagb-container__shape-bottom .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-ecebc267 .uagb-container__video-wrap video{opacity: 1;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-ecebc267{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-block-ecebc267{box-shadow: 0px 0px   #00000070 ;margin-top:  !important;margin-bottom:  !important;overflow: visible;order: initial;border-color: inherit;background: linear-gradient(130deg, #ffffff 60%, #f8f8f8 46%);;background-clip: padding-box;flex-direction: column;align-items: center;justify-content: center;flex-wrap: nowrap;}@media only screen and (max-width: 976px) {.wp-block-uagb-container.uagb-is-root-container .uagb-block-ecebc267{width: 100%;}.wp-block-uagb-container.uagb-block-ecebc267{margin-top:  !important;margin-bottom:  !important;order: initial;background: linear-gradient(130deg, #ffffff 60%, #f8f8f8 46%);;background-clip: padding-box;}}@media only screen and (max-width: 767px) {.wp-block-uagb-container.uagb-is-root-container .uagb-block-ecebc267{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-block-ecebc267{margin-top:  !important;margin-bottom:  !important;order: initial;background: linear-gradient(130deg, #ffffff 60%, #f8f8f8 46%);;background-clip: padding-box;flex-wrap: wrap;}}.wp-block-uagb-container.uagb-block-8d4ac8a0 .uagb-container__shape-top svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-8d4ac8a0 .uagb-container__shape.uagb-container__shape-top .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-8d4ac8a0 .uagb-container__shape-bottom svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-8d4ac8a0 .uagb-container__shape.uagb-container__shape-bottom .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-8d4ac8a0 .uagb-container__video-wrap video{opacity: 1;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-8d4ac8a0{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-8d4ac8a0 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1320px);max-width: var(--inner-content-custom-width);width: 100%;flex-direction: row;align-items: flex-start;justify-content: center;flex-wrap: nowrap;row-gap: 32px;column-gap: 32px;}.wp-block-uagb-container.uagb-block-8d4ac8a0{box-shadow: 0px 0px   #00000070 ;padding-top: 80px;padding-bottom: 80px;padding-left: 12px;padding-right: 12px;margin-top:  !important;margin-bottom:  !important;overflow: visible;order: initial;border-color: inherit;row-gap: 32px;column-gap: 32px;}.wp-block-uagb-container.uagb-block-047d9c4f .uagb-container__shape-top svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-047d9c4f .uagb-container__shape.uagb-container__shape-top .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-047d9c4f .uagb-container__shape-bottom svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-047d9c4f .uagb-container__shape.uagb-container__shape-bottom .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-047d9c4f .uagb-container__video-wrap video{opacity: 1;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-047d9c4f{max-width: 25%;width: 100%;}.wp-block-uagb-container.uagb-block-047d9c4f{box-shadow: 0px 0px   #00000070 ;margin-top:  !important;margin-bottom:  !important;overflow: visible;order: initial;border-color: inherit;flex-direction: column;align-items: center;justify-content: center;flex-wrap: nowrap;max-width: 25% !important;}.wp-block-uagb-container.uagb-block-047d9c4f .uagb-container__shape-top svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-047d9c4f .uagb-container__shape.uagb-container__shape-top .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-047d9c4f .uagb-container__shape-bottom svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-047d9c4f .uagb-container__shape.uagb-container__shape-bottom .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-047d9c4f .uagb-container__video-wrap video{opacity: 1;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-047d9c4f{max-width: 25%;width: 100%;}.wp-block-uagb-container.uagb-block-047d9c4f{box-shadow: 0px 0px   #00000070 ;margin-top:  !important;margin-bottom:  !important;overflow: visible;order: initial;border-color: inherit;flex-direction: column;align-items: center;justify-content: center;flex-wrap: nowrap;max-width: 25% !important;}.wp-block-uagb-container.uagb-block-047d9c4f .uagb-container__shape-top svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-047d9c4f .uagb-container__shape.uagb-container__shape-top .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-047d9c4f .uagb-container__shape-bottom svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-047d9c4f .uagb-container__shape.uagb-container__shape-bottom .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-047d9c4f .uagb-container__video-wrap video{opacity: 1;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-047d9c4f{max-width: 25%;width: 100%;}.wp-block-uagb-container.uagb-block-047d9c4f{box-shadow: 0px 0px   #00000070 ;margin-top:  !important;margin-bottom:  !important;overflow: visible;order: initial;border-color: inherit;flex-direction: column;align-items: center;justify-content: center;flex-wrap: nowrap;max-width: 25% !important;}.wp-block-uagb-container.uagb-block-047d9c4f .uagb-container__shape-top svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-047d9c4f .uagb-container__shape.uagb-container__shape-top .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-047d9c4f .uagb-container__shape-bottom svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-047d9c4f .uagb-container__shape.uagb-container__shape-bottom .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-047d9c4f .uagb-container__video-wrap video{opacity: 1;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-047d9c4f{max-width: 25%;width: 100%;}.wp-block-uagb-container.uagb-block-047d9c4f{box-shadow: 0px 0px   #00000070 ;margin-top:  !important;margin-bottom:  !important;overflow: visible;order: initial;border-color: inherit;flex-direction: column;align-items: center;justify-content: center;flex-wrap: nowrap;max-width: 25% !important;}@media only screen and (max-width: 976px) {.wp-block-uagb-container.uagb-is-root-container .uagb-block-8d4ac8a0{width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-8d4ac8a0 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1024px);max-width: var(--inner-content-custom-width);width: 100%;}.wp-block-uagb-container.uagb-block-8d4ac8a0{padding-top: 80px;padding-bottom: 80px;padding-left: 12px;padding-right: 12px;margin-top:  !important;margin-bottom:  !important;order: initial;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-047d9c4f{width: 100%;}.wp-block-uagb-container.uagb-block-047d9c4f{margin-top:  !important;margin-bottom:  !important;order: initial;max-width:  !important;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-047d9c4f{width: 100%;}.wp-block-uagb-container.uagb-block-047d9c4f{margin-top:  !important;margin-bottom:  !important;order: initial;max-width:  !important;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-047d9c4f{width: 100%;}.wp-block-uagb-container.uagb-block-047d9c4f{margin-top:  !important;margin-bottom:  !important;order: initial;max-width:  !important;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-047d9c4f{width: 100%;}.wp-block-uagb-container.uagb-block-047d9c4f{margin-top:  !important;margin-bottom:  !important;order: initial;max-width:  !important;}}@media only screen and (max-width: 767px) {.wp-block-uagb-container.uagb-is-root-container .uagb-block-8d4ac8a0{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-8d4ac8a0 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 767px);max-width: var(--inner-content-custom-width);width: 100%;flex-wrap: wrap;}.wp-block-uagb-container.uagb-block-8d4ac8a0{padding-top: 80px;padding-bottom: 80px;padding-left: 12px;padding-right: 12px;margin-top:  !important;margin-bottom:  !important;order: initial;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-047d9c4f{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-block-047d9c4f{margin-top:  !important;margin-bottom:  !important;order: initial;flex-wrap: wrap;max-width: 100% !important;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-047d9c4f{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-block-047d9c4f{margin-top:  !important;margin-bottom:  !important;order: initial;flex-wrap: wrap;max-width: 100% !important;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-047d9c4f{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-block-047d9c4f{margin-top:  !important;margin-bottom:  !important;order: initial;flex-wrap: wrap;max-width: 100% !important;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-047d9c4f{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-block-047d9c4f{margin-top:  !important;margin-bottom:  !important;order: initial;flex-wrap: wrap;max-width: 100% !important;}}.wp-block-uagb-container.uagb-block-f064f662.wp-block-uagb-container{color: #ffffff;}.wp-block-uagb-container.uagb-block-f064f662.wp-block-uagb-container *{color: #ffffff;}.wp-block-uagb-container.uagb-block-f064f662 .uagb-container__shape-top svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-f064f662 .uagb-container__shape.uagb-container__shape-top .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-f064f662 .uagb-container__shape-bottom svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-f064f662 .uagb-container__shape.uagb-container__shape-bottom .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-f064f662 .uagb-container__video-wrap video{opacity: 1;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-f064f662{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-f064f662 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1320px);max-width: var(--inner-content-custom-width);width: 100%;flex-direction: column;align-items: center;justify-content: center;flex-wrap: nowrap;row-gap: 20px;}.wp-block-uagb-container.uagb-block-f064f662{box-shadow: 0px 0px   #00000070 ;padding-top: 20px;padding-bottom: 20px;padding-left: 12px;padding-right: 12px;margin-top:  !important;margin-bottom:  !important;overflow: visible;order: initial;border-color: inherit;background-color: #25282a;;row-gap: 20px;}.wp-block-uagb-container.uagb-block-dbd5f6c0 .uagb-container__shape-top svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-dbd5f6c0 .uagb-container__shape.uagb-container__shape-top .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-dbd5f6c0 .uagb-container__shape-bottom svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-dbd5f6c0 .uagb-container__shape.uagb-container__shape-bottom .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-dbd5f6c0 .uagb-container__video-wrap video{opacity: 1;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-dbd5f6c0{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-dbd5f6c0 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1320px);max-width: var(--inner-content-custom-width);width: 100%;flex-direction: row;align-items: center;justify-content: center;flex-wrap: nowrap;row-gap: 20px;column-gap: 32px;}.wp-block-uagb-container.uagb-block-dbd5f6c0{box-shadow: 0px 0px   #00000070 ;margin-top:  !important;margin-bottom:  !important;overflow: visible;order: initial;border-color: inherit;flex-direction: row;align-items: center;justify-content: center;flex-wrap: nowrap;row-gap: 20px;column-gap: 32px;}.wp-block-uagb-container.uagb-block-dbd5f6c0.wp-block-uagb-container > *:not( .wp-block-uagb-column ):not( .wp-block-uagb-section ):not( .uagb-container__shape ):not( .uagb-container__video-wrap ):not( .uagb-slider-container ):not( .spectra-container-link-overlay ):not(.spectra-image-gallery__control-lightbox):not(.wp-block-uagb-lottie):not(.uagb-container-inner-blocks-wrap){width: auto !important;}.wp-block-uagb-container.uagb-block-dbd5f6c0.wp-block-uagb-container > .uagb-container-inner-blocks-wrap > *:not( .wp-block-uagb-column ):not( .wp-block-uagb-section ):not( .uagb-container__shape ):not( .uagb-container__video-wrap ):not( .uagb-slider-container ):not(.spectra-image-gallery__control-lightbox){width: auto !important;}.uagb-block-644e4891.wp-block-uagb-image--layout-default figure img{box-shadow: 0px 0px 0 #00000070;}.uagb-block-644e4891.wp-block-uagb-image .wp-block-uagb-image__figure figcaption{font-style: normal;align-self: center;}.uagb-block-644e4891.wp-block-uagb-image--layout-overlay figure img{box-shadow: 0px 0px 0 #00000070;}.uagb-block-644e4891.wp-block-uagb-image--layout-overlay .wp-block-uagb-image--layout-overlay__color-wrapper{opacity: 0.2;}.uagb-block-644e4891.wp-block-uagb-image--layout-overlay .wp-block-uagb-image--layout-overlay__inner{left: 15px;right: 15px;top: 15px;bottom: 15px;}.uagb-block-644e4891.wp-block-uagb-image--layout-overlay .wp-block-uagb-image--layout-overlay__inner .uagb-image-heading{font-style: normal;color: #fff;opacity: 1;}.uagb-block-644e4891.wp-block-uagb-image--layout-overlay .wp-block-uagb-image--layout-overlay__inner .uagb-image-heading a{color: #fff;}.uagb-block-644e4891.wp-block-uagb-image--layout-overlay .wp-block-uagb-image--layout-overlay__inner .uagb-image-caption{opacity: 0;}.uagb-block-644e4891.wp-block-uagb-image--layout-overlay .wp-block-uagb-image__figure:hover .wp-block-uagb-image--layout-overlay__color-wrapper{opacity: 1;}.uagb-block-644e4891.wp-block-uagb-image .wp-block-uagb-image--layout-overlay__inner .uagb-image-separator{width: 30%;border-top-width: 2px;border-top-color: #fff;opacity: 0;}.uagb-block-644e4891.wp-block-uagb-image .wp-block-uagb-image__figure img{width: 292px;height: 48px;}.uagb-block-644e4891.wp-block-uagb-image .wp-block-uagb-image__figure:hover .wp-block-uagb-image--layout-overlay__inner .uagb-image-caption{opacity: 1;}.uagb-block-644e4891.wp-block-uagb-image .wp-block-uagb-image__figure:hover .wp-block-uagb-image--layout-overlay__inner .uagb-image-separator{opacity: 1;}.uagb-block-644e4891.wp-block-uagb-image--layout-default figure:hover img{box-shadow: 0px 0px 0 #00000070;}.uagb-block-644e4891.wp-block-uagb-image--layout-overlay figure:hover img{box-shadow: 0px 0px 0 #00000070;}@media only screen and (max-width: 976px) {.wp-block-uagb-container.uagb-is-root-container .uagb-block-f064f662{width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-f064f662 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1024px);max-width: var(--inner-content-custom-width);width: 100%;}.wp-block-uagb-container.uagb-block-f064f662{padding-top: 20px;padding-bottom: 20px;padding-left: 12px;padding-right: 12px;margin-top:  !important;margin-bottom:  !important;order: initial;background-color: #25282a;;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-dbd5f6c0{width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-dbd5f6c0 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1024px);max-width: var(--inner-content-custom-width);width: 100%;}.wp-block-uagb-container.uagb-block-dbd5f6c0{margin-top:  !important;margin-bottom:  !important;order: initial;}.uagb-block-644e4891.wp-block-uagb-image .wp-block-uagb-image__figure img{width: 280px;height: 45px;}}@media only screen and (max-width: 767px) {.wp-block-uagb-container.uagb-is-root-container .uagb-block-f064f662{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-f064f662 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 767px);max-width: var(--inner-content-custom-width);width: 100%;flex-wrap: wrap;}.wp-block-uagb-container.uagb-block-f064f662{padding-top: 20px;padding-bottom: 20px;padding-left: 12px;padding-right: 12px;margin-top:  !important;margin-bottom:  !important;order: initial;background-color: #25282a;;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-dbd5f6c0{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-dbd5f6c0 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 767px);max-width: var(--inner-content-custom-width);width: 100%;flex-wrap: wrap;}.wp-block-uagb-container.uagb-block-dbd5f6c0{margin-top:  !important;margin-bottom:  !important;order: initial;flex-wrap: wrap;}.uagb-block-644e4891.wp-block-uagb-image .wp-block-uagb-image__figure img{width: 280px;height: 45px;}}.wp-block-uagb-container.uagb-block-beb12949 .uagb-container__shape-top svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-beb12949 .uagb-container__shape.uagb-container__shape-top .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-beb12949 .uagb-container__shape-bottom svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-beb12949 .uagb-container__shape.uagb-container__shape-bottom .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-beb12949 .uagb-container__video-wrap video{opacity: 1;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-beb12949{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-beb12949 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1320px);max-width: var(--inner-content-custom-width);width: 100%;flex-direction: column;align-items: center;justify-content: center;flex-wrap: nowrap;}.wp-block-uagb-container.uagb-block-beb12949{box-shadow: 0px 0px   #00000070 ;margin-top:  !important;margin-bottom:  !important;overflow: visible;order: initial;border-color: inherit;background-color: #006c5b;;}@media only screen and (max-width: 976px) {.wp-block-uagb-container.uagb-is-root-container .uagb-block-beb12949{width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-beb12949 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1024px);max-width: var(--inner-content-custom-width);width: 100%;}.wp-block-uagb-container.uagb-block-beb12949{margin-top:  !important;margin-bottom:  !important;order: initial;background-color: #006c5b;;}}@media only screen and (max-width: 767px) {.wp-block-uagb-container.uagb-is-root-container .uagb-block-beb12949{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-beb12949 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 767px);max-width: var(--inner-content-custom-width);width: 100%;flex-wrap: wrap;}.wp-block-uagb-container.uagb-block-beb12949{margin-top:  !important;margin-bottom:  !important;order: initial;background-color: #006c5b;;}}.wp-block-uagb-container.uagb-block-beb12949 .uagb-container__shape-top svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-beb12949 .uagb-container__shape.uagb-container__shape-top .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-beb12949 .uagb-container__shape-bottom svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-beb12949 .uagb-container__shape.uagb-container__shape-bottom .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-beb12949 .uagb-container__video-wrap video{opacity: 1;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-beb12949{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-beb12949 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1320px);max-width: var(--inner-content-custom-width);width: 100%;flex-direction: column;align-items: center;justify-content: center;flex-wrap: nowrap;}.wp-block-uagb-container.uagb-block-beb12949{box-shadow: 0px 0px   #00000070 ;margin-top:  !important;margin-bottom:  !important;overflow: visible;order: initial;border-color: inherit;background-color: #006c5b;;}@media only screen and (max-width: 976px) {.wp-block-uagb-container.uagb-is-root-container .uagb-block-beb12949{width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-beb12949 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1024px);max-width: var(--inner-content-custom-width);width: 100%;}.wp-block-uagb-container.uagb-block-beb12949{margin-top:  !important;margin-bottom:  !important;order: initial;background-color: #006c5b;;}}@media only screen and (max-width: 767px) {.wp-block-uagb-container.uagb-is-root-container .uagb-block-beb12949{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-beb12949 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 767px);max-width: var(--inner-content-custom-width);width: 100%;flex-wrap: wrap;}.wp-block-uagb-container.uagb-block-beb12949{margin-top:  !important;margin-bottom:  !important;order: initial;background-color: #006c5b;;}}.wp-block-uagb-container.uagb-block-5096eaa1 .uagb-container__shape-top svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-5096eaa1 .uagb-container__shape.uagb-container__shape-top .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-5096eaa1 .uagb-container__shape-bottom svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-5096eaa1 .uagb-container__shape.uagb-container__shape-bottom .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-5096eaa1 .uagb-container__video-wrap video{opacity: 1;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-5096eaa1{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-5096eaa1 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1320px);max-width: var(--inner-content-custom-width);width: 100%;flex-direction: column;align-items: center;justify-content: center;flex-wrap: nowrap;}.wp-block-uagb-container.uagb-block-5096eaa1{box-shadow: 0px 0px   #00000070 ;margin-top:  !important;margin-bottom:  !important;overflow: visible;order: initial;border-color: inherit;}.wp-block-uagb-container.uagb-block-89b3b7a8 .uagb-container__shape-top svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-89b3b7a8 .uagb-container__shape.uagb-container__shape-top .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-89b3b7a8 .uagb-container__shape-bottom svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-89b3b7a8 .uagb-container__shape.uagb-container__shape-bottom .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-89b3b7a8 .uagb-container__video-wrap video{opacity: 1;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-89b3b7a8{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-89b3b7a8 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1320px);max-width: var(--inner-content-custom-width);width: 100%;flex-direction: column;align-items: center;justify-content: center;flex-wrap: nowrap;}.wp-block-uagb-container.uagb-block-89b3b7a8{box-shadow: 0px 0px   #00000070 ;padding-top: 2em;padding-bottom: 2em;padding-left: 2em;padding-right: 2em;margin-top:  !important;margin-bottom:  !important;overflow: visible;order: initial;border-top-left-radius: 30px;border-top-right-radius: 30px;border-bottom-left-radius: 30px;border-bottom-right-radius: 30px;border-color: inherit;background-color: #ebebeb;;}.wp-block-uagb-advanced-heading.uagb-block-97ee3d2f.wp-block-uagb-advanced-heading .uagb-desc-text{margin-bottom: 15px;}.wp-block-uagb-advanced-heading.uagb-block-97ee3d2f.wp-block-uagb-advanced-heading .uagb-highlight{font-style: normal;font-weight: Default;background: #007cba;color: #fff;-webkit-text-fill-color: #fff;}.wp-block-uagb-advanced-heading.uagb-block-97ee3d2f.wp-block-uagb-advanced-heading .uagb-highlight::-moz-selection{color: #fff;background: #007cba;-webkit-text-fill-color: #fff;}.wp-block-uagb-advanced-heading.uagb-block-97ee3d2f.wp-block-uagb-advanced-heading .uagb-highlight::selection{color: #fff;background: #007cba;-webkit-text-fill-color: #fff;}.uagb-block-232092dc.wp-block-uagb-buttons.uagb-buttons__outer-wrap .uagb-buttons__wrap {gap: 10px;}.uagb-block-232092dc.uagb-buttons__outer-wrap .uagb-buttons__wrap {justify-content: left;align-items: center;}.wp-block-uagb-buttons .uagb-block-00708611.wp-block-uagb-buttons-child .uagb-buttons-repeater{background: #f3bd48;}.wp-block-uagb-buttons .uagb-block-00708611 .wp-block-button__link{background: #f3bd48;}.wp-block-uagb-buttons .uagb-block-00708611 .wp-block-button__link:hover{background: #f4deaa;}.wp-block-uagb-buttons .uagb-block-00708611 .wp-block-button__link:focus{background: #f4deaa;}.wp-block-uagb-buttons .uagb-block-00708611 .uagb-button__wrapper .uagb-buttons-repeater{color: #25282a;}.wp-block-uagb-buttons .uagb-block-00708611 .wp-block-button__link.has-text-color:hover .uagb-button__link{color: #25282a;}.wp-block-uagb-buttons .uagb-block-00708611 .wp-block-button__link.has-text-color:focus .uagb-button__link{color: #25282a;}.wp-block-uagb-buttons .uagb-block-00708611 .uagb-button__wrapper  .uagb-buttons-repeater.wp-block-button__link{box-shadow: 0px 0px 0 #00000026;}.wp-block-uagb-buttons .uagb-block-00708611 .uagb-button__wrapper  .uagb-buttons-repeater.wp-block-button__link:hover{box-shadow: 0px 0px 0 #00000026;}.wp-block-uagb-buttons .uagb-block-00708611 .uagb-buttons-repeater.wp-block-button__link{border-color: #333;border-style: none;}.wp-block-uagb-buttons .uagb-block-00708611 .uagb-buttons-repeater.wp-block-button__link:hover{border-color: #333;}.wp-block-uagb-buttons .uagb-block-00708611 .uagb-buttons-repeater.wp-block-button__link:focus{border-color: #333;}.wp-block-uagb-buttons .uagb-block-00708611.wp-block-button.is-style-outline .uagb-button__wrapper .wp-block-button__link.uagb-buttons-repeater{border-color: #333;border-style: none;}.wp-block-uagb-buttons .uagb-block-00708611.wp-block-button.is-style-outline .uagb-button__wrapper .wp-block-button__link.uagb-buttons-repeater:hover{border-color: #333;}.wp-block-uagb-buttons .uagb-block-00708611 .uagb-buttons-repeater .uagb-button__link{color: #25282a;}.wp-block-uagb-buttons .uagb-block-00708611 .uagb-buttons-repeater:hover .uagb-button__link{color: #25282a;}.wp-block-uagb-buttons .uagb-block-00708611 .uagb-buttons-repeater:focus .uagb-button__link{color: #25282a;}.wp-block-uagb-buttons .uagb-block-00708611 .uagb-buttons-repeater .uagb-button__icon > svg{width: 15px;height: 15px;fill: #25282a;}.wp-block-uagb-buttons .uagb-block-00708611 .uagb-buttons-repeater:hover .uagb-button__icon > svg{fill: #25282a;}.wp-block-uagb-buttons .uagb-block-00708611 .uagb-buttons-repeater:focus .uagb-button__icon > svg{fill: #25282a;}.wp-block-uagb-buttons .uagb-block-00708611 .uagb-buttons-repeater .uagb-button__icon-position-after{margin-left: 8px;}.wp-block-uagb-buttons .uagb-block-00708611 .uagb-buttons-repeater .uagb-button__icon-position-before{margin-right: 8px;}.wp-block-uagb-buttons .uagb-block-00708611 .uagb-button__link{text-transform: normal;text-decoration: none;}@media only screen and (max-width: 976px) {.wp-block-uagb-container.uagb-is-root-container .uagb-block-5096eaa1{width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-5096eaa1 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1024px);max-width: var(--inner-content-custom-width);width: 100%;}.wp-block-uagb-container.uagb-block-5096eaa1{margin-top:  !important;margin-bottom:  !important;order: initial;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-89b3b7a8{width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-89b3b7a8 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 1024px);max-width: var(--inner-content-custom-width);width: 100%;}.wp-block-uagb-container.uagb-block-89b3b7a8{padding-top: 2px;padding-bottom: 2px;padding-left: 2px;padding-right: 2px;margin-top:  !important;margin-bottom:  !important;order: initial;background-color: #ebebeb;;}.uagb-block-232092dc.uagb-buttons__outer-wrap .uagb-buttons__wrap {justify-content: center;align-items: center;}.uagb-block-232092dc.uagb-buttons__outer-wrap .uagb-buttons__wrap .wp-block-button{width: auto;}.wp-block-uagb-buttons .uagb-block-00708611.wp-block-button.is-style-outline .uagb-button__wrapper .wp-block-button__link.uagb-buttons-repeater{border-style: none;border-color: #333;}.wp-block-uagb-buttons .uagb-block-00708611 .uagb-buttons-repeater.wp-block-button__link{border-style: none;border-color: #333;}}@media only screen and (max-width: 767px) {.wp-block-uagb-container.uagb-is-root-container .uagb-block-5096eaa1{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-5096eaa1 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 767px);max-width: var(--inner-content-custom-width);width: 100%;flex-wrap: wrap;}.wp-block-uagb-container.uagb-block-5096eaa1{margin-top:  !important;margin-bottom:  !important;order: initial;}.wp-block-uagb-container.uagb-is-root-container .uagb-block-89b3b7a8{max-width: 100%;width: 100%;}.wp-block-uagb-container.uagb-is-root-container.alignfull.uagb-block-89b3b7a8 > .uagb-container-inner-blocks-wrap{--inner-content-custom-width: min( 100%, 767px);max-width: var(--inner-content-custom-width);width: 100%;flex-wrap: wrap;}.wp-block-uagb-container.uagb-block-89b3b7a8{padding-top: 2px;padding-bottom: 2px;padding-left: 2px;padding-right: 2px;margin-top:  !important;margin-bottom:  !important;order: initial;background-color: #ebebeb;;}.uagb-block-232092dc.uagb-buttons__outer-wrap .uagb-buttons__wrap {justify-content: center;align-items: center;}.uagb-block-232092dc.uagb-buttons__outer-wrap .uagb-buttons__wrap .wp-block-button{width: auto;}.wp-block-uagb-buttons .uagb-block-00708611.wp-block-button.is-style-outline .uagb-button__wrapper .wp-block-button__link.uagb-buttons-repeater{border-style: none;border-color: #333;}.wp-block-uagb-buttons .uagb-block-00708611 .uagb-buttons-repeater.wp-block-button__link{border-style: none;border-color: #333;}}\";s:2:\"js\";s:161:\"document.addEventListener(\"DOMContentLoaded\", function(){ window.addEventListener( 'load', function() {\n\tUAGBButtonChild.init( '.uagb-block-00708611' );\n});\n });\";s:18:\"current_block_list\";a:17:{i:0;s:14:\"uagb\/container\";i:1;s:12:\"core\/heading\";i:2;s:9:\"core\/html\";i:3;s:10:\"core\/group\";i:6;s:21:\"uagb\/advanced-heading\";i:7;s:14:\"uagb\/separator\";i:8;s:14:\"uagb\/icon-list\";i:9;s:20:\"uagb\/icon-list-child\";i:10;s:11:\"core\/search\";i:13;s:18:\"core\/legacy-widget\";i:16;s:10:\"uagb\/image\";i:17;s:17:\"core\/social-links\";i:18;s:16:\"core\/social-link\";i:19;s:14:\"core\/paragraph\";i:20;s:30:\"meta-box\/fl-conditional-blocks\";i:21;s:12:\"uagb\/buttons\";i:22;s:18:\"uagb\/buttons-child\";}s:8:\"uag_flag\";b:1;s:11:\"uag_version\";i:1781214354;s:6:\"gfonts\";a:1:{s:7:\"Default\";a:2:{s:10:\"fontfamily\";s:7:\"Default\";s:12:\"fontvariants\";a:0:{}}}s:10:\"gfonts_url\";s:71:\"\/\/fonts.googleapis.com\/css?family=Default&subset=latin&display=fallback\";s:12:\"gfonts_files\";a:0:{}s:14:\"uag_faq_layout\";b:0;}"]},"uagb_featured_image_src":{"full":["https:\/\/wp-stage.familylife.com\/www\/wp-content\/uploads\/sites\/1001\/2024\/09\/FLT-Podcast-Cover-2-508x508-3.jpg",508,508,false]},"uagb_author_info":{"display_name":"","author_link":"https:\/\/wp-stage.familylife.com\/www\/author\/"},"uagb_comment_info":0,"uagb_excerpt":"Savvy savers tell how their short term sacrifices blessed them with long-term benefits.","meta_box":{"show_notes":"","transcript_url":"https:\/\/transcript.familylifetoday.com\/fl2013-07-30.pdf","transcript_content":"<p>\n\t\t\t\t<strong>Bob:<\/strong> You may have experienced something like this at your house\u2014your kids want some fancy sneakers. Everybody\u2019s got the fancy sneakers; and your kids want them, too. Steve Economides says, \u201cThe question is not, \u2018Can you afford to buy your children those sneakers?\u2019 The question is, \u2018What\u2019s the best decision you can make for your kids?\u2019\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Steve:<\/strong> If I earned $100,000 a year, and I was able to afford to give my kids the $200 sneakers, what I\u2019ve done is I\u2019ve handcuffed them to my earning level. Let\u2019s say they never attain that level. The struggles they are going to experience, trying to replicate our lifestyle, are epic. <em>If<\/em> I teach them to spend what they\u2019ve earned, and they <em>exceed<\/em> my earning, have I handicapped them at all? No. They are equipped. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> This is <em>FamilyLife Today<\/em> for Tuesday, July 30<sup>th<\/sup>. Our host is the President of FamilyLife<sup>\u00ae<\/sup>, Dennis Rainey, and I\u2019m Bob Lepine. You\u2019ll have to pardon my voice today, but we are going to talk about how you can raise children who are money-smart and can be financially independent. That\u2019s a good thing to talk about; don\u2019t you think? Stay tuned. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd welcome to <em>FamilyLife Today<\/em>. Thanks for joining us. You know, we\u2019re in the studio today with Crystal Paine, who has a blog for moms\u2014called <em>Money Saving Mom<\/em><sup>\u00ae<\/sup>. We\u2019ve got Steve and Annette Economides\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> \u2014who changed their last names to be able to write a book about money. [Laughter] I mean, what a name!\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> I know\u2014Economides. They are known as \u201cAmerica\u2019s Cheapest Family\u201d. I was thinking I need to come up with a slogan like that for you\u2014something. I\u2019m still working on what it will be; [Laughter] but I think we should come up with something like that for you. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> We\u2019re going to come up with all kinds of great advice today about how to handle your budget, your money, your savings, and your giving. So\u2014Crystal, Steve, Annette\u2014welcome back to <em>FamilyLife Today<\/em>. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> It\u2019s great to be here, Dennis. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> It\u2019s great to be here. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Crystal, you\u2019ve written a book called <em>The Money Saving Mom\u2019s Budget<\/em>. Steve and Annette have written one called <em>The MoneySmart Family<\/em><em><sup>\u2122<\/sup><\/em><em> System<\/em>. This system that you guys talk about here is 5, 50, 500. Explain what 5, 50, 500 is all about. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Years ago, I was in the advertising industry. We did a lot of interfacing with printers. I had an old printer salesman come to me one day. He said, \u201cWhen you set up this ad for this magazine, make sure you proof your work\u2026\u201d I\u2019m sitting there, going, \u201cThis is a strange thing to say.\u201d \u201c\u2026because if you proof your work well and you catch a typo, at the type-setting stage, it will cost you $5. If you catch it when we go to film, before it goes on the press, it\u2019s going to cost you $50. And if we catch it on the press, and we have to stop the presses, it\u2019s going to cost you $500 an hour. So, proof your work.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWell, it didn\u2019t really click then; but as we started raising kids\u2014and we have five kids\u2014and we started seeing unlearned lessons that they would experience\u2014noticed that the price tag kept escalating. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> The older they get? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Every time they repeated a lesson, the cost went up. So, we\u2019re sitting down, getting ready to write this book, which is our third book\u2014it\u2019s basically how to transfer what we\u2019ve learned about managing money\u2014being a steward\u2014to our kids\u2014and realized, \u201cThat\u2019s the principle!\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> So, the $5-stage is 0 to 5 \/ 0 to 6. Back then, if you give into whatever\u2014a tantrum\u2014it\u2019s going to cost you $5. Between 6 and 11, if you give into the impulse urges, it\u2019s going to be $50. Twelve to 17 is $500\u2014that\u2019s laptops, cell phones. Seventeen to 20 is $5,000\u2014that\u2019s school tuition, cars, credit card bailouts. And 24 and above is $50,000. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWe\u2019ve actually interfaced with people\u2014that are in this position\u2014where they are dealing with custody battles, divorces, home foreclosures, car repossessions. <br><br>We see parents, today, bailing their children out. Sixty percent of all parents, out there today, are supporting their adult children, financially. Crystal is a rarity. She is a needle in a haystack. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> You know, the 5, 50, 500 rule is the downside. What we did, in the book, was\u2014we talked about, \u201cHow can you defeat that rule?\u201d because we really want to empower parents to train their kids to be financially independent and really realize that they are not raising children\u2014they are raising future adults. So, \u201cHow do you do that?\u201d Basically, every time your child wants something\u2014and you find a way for them to pay for it themselves or to earn it\u2014now, you\u2019ve just defeated the rule. You\u2019ve freed yourself from funding the entitlement mentality; and you\u2019ve trained your child to be self-responsible and self-reliant. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> The kids are going to learn these lessons, at some point. If they learn them when it\u2019s a $5 lesson\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> It\u2019s way better. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> \u2014it helps them. It helps everybody as opposed to a 50 or a 500\u2014you\u2019re just saying, \u201cLet\u2019s plant these truths in their heart, young;\u201d right? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Absolutely; but, Bob, what we\u2019ve told in many of our interviews is you can start anywhere along the way. I mean, we have 24 chapters in this book\u2014talking from when they\u2019re young and they\u2019re preschool-age\u2014to starting when they are teenagers and you\u2019re dealing with part-time jobs, and getting ready for college, and all the way up to adult. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWhat do you do when you do have\u2014you\u2019ve missed the boat\u2014so to speak; okay? You didn\u2019t transfer the baton. Now, you\u2019ve got adult children, who are coming to you, asking for money. How do you help them? You know: \u201cYou give them a fish; you feed them for a day. You <em>teach<\/em> them to fish; you feed them for a lifetime.\u201d So, what can you do? Our book has chapters that deal with <em>every<\/em> single age and issue. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Let me take this all the way back to when the two of you got married\u2014when you two met. We asked the question earlier about Crystal\u2014where she was on my 1-to-5 scale\u2014with 1 being a tightwad, and 5 being extravagant. She said, \u201cShe was a 1; maybe, nudging over to a 2.\u201d So, where were you, Annette, when you first met your husband? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Actually, I wasn\u2019t that thrifty when I first met my husband. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> She loved clothes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Yes, my mom\u2014oh, she loved to spend money. That was how I was discipled; right? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Okay. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Annette:<\/strong> But we had pretty much nothing to live on when we first got married. It was either sink or swim\u2014either we had to figure out how to survive or we weren\u2019t going to make it. So, I was a 3 when we got married; but now, I would put myself in the 2 category\u2014the thrifty\u2014but I would still say I was generous because there are a lot of missionaries that we support. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> When we first got married, I was earning $6.50 an hour as a paste-up artist at a printing company. Annette wanted to stay home and manage our home. She\u2019d never run a home before. We read, in Titus, where it talks about \u201c\u2026be workers at home;\u201d and she took that to heart. She felt like that was God\u2019s calling on her. So, we decided\u2014and we both had no debt from college, which was a miracle\u2014we decided she would stay home. I would work one job. Now, my dad told me I should work two jobs and Annette should work a job. We should save all the money we could and be in a house in three years. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWe decided that we were going to trust God to provide and to work that out because Psalm 127 talks about, \u201cIt\u2019s vain to rise early, go to bed late, to eat the bread of painful labor. God gives to His beloved even in their sleep.\u201d That\u2019s crazy talk, but it\u2019s true. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> And three years later, we were in a house. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Three years later, we had 15 percent to put down on a house. We paid that house off in nine years. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> It was repossession. It needed a lot of elbow grease, but painting is easy. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> We paid it off on an average income of $33,000. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Bob:<\/strong> Wow! \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> In the same amount of time\u2014by the time we sold that house, we had five kids. We paid cash for two cars and taken vacations. So, the system worked. What really happened was\u2014in our marriage prep class, before we got married, we learned about budgeting from Larry Burkett. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> We were raised in semi-thrifty homes. Both of our parents shopped at the JC Penney\u2019s catalogue outlet, but they didn\u2019t like do garage sales or rummage sales; and there were hardly any thrift stores back then. I mean, the thrift store industry has just gone bonkers. There was no such thing as a consignment store back then. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> So, you were not raised with an extravagant approach to life. You were raised in kind of that middle class\u2014\u201cLet\u2019s pinch a penny here;\u201d\u2014 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> \u2014but you didn\u2019t dive into marriage with an aggressive approach. That\u2019s something that somewhere got birthed in\u2014what is it in your heart? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Actually, we did. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Okay. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Steve:<\/strong> We started with a budget. We learned, in our marriage prep class, what a budget was; and neither of us had ever lived on it. When we got started\u2014where it really clicked\u2014there were two significant events. One was\u2014I got a phone call, one day, at the printing company. Annette was out, running errands. She said, \u201cIs it a bad thing when water comes out of the tail pipe of the car?\u201d [Laughter] It turned out we had blown a head gasket. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tNow, we had our budget set up\u2014where we were saving, in advance, for our rent, for our food, for our clothes. We had a little bit of recreation money. We had an auto account. We got a quote, and it was going to cost $500 to rebuild the engine. We didn\u2019t have the money. We had a choice to make, right there; and that was, \u201cWere we going to run to the bank, or were we going to run to God?\u201d We chose to wait until God provided through our budget. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Now, we lived close to work. So, he could bike to work each day. <br><br><strong>Steve:<\/strong> And we had some friends, in our young-marrieds\u2019 class, who said: \u201cWe have an extra car. You can drive it on the weekends and drive it to church.\u201d The body of Christ provided. We made it a month\u2014had the money saved, got the car fixed\u2014pivotal point. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> What I\u2019m hearing you say, though, there was sacrifice. That\u2019s not a word that we like to embrace today. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Steve:<\/strong> Well, I wrote this down when Crystal was talking\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> \u2014because she talked about sacrifice going through law school. I wrote down this phrase: \u201cYou can cry now, or you can cry later.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tThere was a time when we bought some couches from missionaries, going out of the country. They were leaving the country; okay? These brown and plaid Mediterranean couches for $25\u2014that\u2019s what we could afford. Our neighbor, a guy I led worship with at Crusade in college\u2014and he was working as a computer programmer and earning $30,000. I\u2019m earning $13,000 a year. One day, the Scandinavian furniture truck drove up to our apartment complex. Dave\u2019s house gets delivered\u2014leather couch, teak\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> \u2014dining room table, a hutch. I just went inside, and I just sat on our couches, and I bawled! But it was, at that point, where I said: \u201cLord, I want to be thrifty. I don\u2019t want to have any debt; but I don\u2019t want to have orange and brown plaid couches. I just\u2014they\u2019re ugly! I just\u2014but I\u2019m going to live this way if that means we need to live debt-free.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Yes, about four years later, I got a bonus at work\u2014a different job. I called her up and I said, \u201cMrs. Economides, go out and buy those couches.\u201d There were couches we saw, before we were married\u2014they were at JC Penney\u2019s. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> And we used a coupon. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Crystal, I want you to comment on what Steve said earlier. You did sacrifice so your husband could go to law school. Why is sacrifice so important as you approach the subject of money? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Crystal:<\/strong> You know, if you don\u2019t make sacrifices\u2014if you\u2019re not <em>willing<\/em> to make sacrifices\u2014you\u2019re not going to, probably, reap the benefits. Sacrifice is important because if you can\u2019t\u2014you know, like I talked about\u2014you have to make short-term sacrifices for long-term benefits. So, that\u2019s in all areas of our life. If you want to lose weight, you\u2019re going to have to sacrifice\u2014exercise\u2014get up early and exercise, you know? Or you are going to have to eat less. Sacrifice will help you to achieve those results; and you will reap the fruit, but it is hard! \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI remember those times when he was in law school, and we\u2014we, literally, could not afford\u2014we didn\u2019t have $2 to spare in our budget, and we couldn\u2019t buy anything. I remember when I got pregnant. I couldn\u2019t buy maternity clothes because I didn\u2019t have any money to even go to the thrift store, and we just prayed. A friend of mine sent a box of maternity clothes. You know, God <em>always<\/em> provided; but that didn\u2019t mean that there weren\u2019t times when it was really hard and when we had to just get on our faces, and cry, and say, \u201cGod, we have to trust You to provide this for us.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> You know, one of the things you have, as an advantage, perhaps, over other listeners? You grew up in a family where you saw your parents sacrifice so they could give. They sacrificed and saved so they could reach out to others and help them. That really goes back, Steve and Annette, to your book. You\u2019re really equipping parents to train their children with life skills\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> That\u2019s right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Absolutely. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> \u2014about handling money. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Bob:<\/strong> And Mom and Dad have got to embrace those first. You can\u2019t train your kids to do something you\u2019re not doing yourself. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Steve:<\/strong> We just watched the Olympics this last summer. I was a competitive gymnast in college. That\u2019s how God paid for college for me, which was interesting. But we saw these gymnasts\u2014we saw the track athletes running around\u2014doing their exercises\u2014and they were phenomenally-trained. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Or the girl gymnasts were amazing! \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> But I guarantee you that there was not one of those athletes whose mom or dad did the weight lifting for them. When we entitle our kids\u2014when we give our kids\u2014I mean, if we\u2019re high-income earners and we have money\u2014and there were years we earned a decent income\u2014we decided we would not give our kids those things; but we would teach them to earn them, themselves. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br>It does a couple of things. It teaches them that they can wait, they can work, and they can get the reward. I mean, we want to give our kids the best by giving them the strength to go through these things. <br><br><strong>Bob:<\/strong> Annette, how many kids\u2014five? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Five. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> What ages now? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> They range from 18 to 29. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> And when they were 8 to 19\u2014if I\u2019ve got my math right there\u2014were there any whiners in the bunch, going, \u201cI don\u2019t like being an Economides\u201d? <br>\u00a0\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Well, I wouldn\u2019t say, \u201cI don\u2019t like being an Economides,\u201d but we did have some that really had more of a tendency to spend their money than others. The cool thing about the system that we set up\u2014our MoneySmart Kids System\u2014is that it was cash in envelopes. When the cash was gone, they couldn\u2019t spend anymore. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tThere were times when we went out for a special sale or something. One particular kid looked in his envelope, and he didn\u2019t have anything. So, he came with us; but he couldn\u2019t buy anything that day. We weren\u2019t going to bail him out because he needed to learn how to plan and prioritize his money. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Dennis:<\/strong> Kids go through various phases. You start, obviously, in kind of the 0- to 5-age range\u2014that\u2019s a time when you train them to do certain things\u2014then, the elementary age and, then, junior high and high school. Walk through those three phases and give us a couple of tips or important things to consider as you train children in each of those three phases of life. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Okay. At the baby stage, 0 to 5, your kids aren\u2019t really making choices. You are making the choices; but you can set in motion a train that\u2019s really hard to stop if you start buying all the designer clothes\u2014all the designer baby gadgets. You set up this expectation, in the child\u2019s mind, that this is how life is. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> But from 0 to 5, we say that\u2019s a great time to start teaching them how to identify coins\u2014how to let them know that money exists. Our youngest daughter just had a little Minnie Mouse bank. She\u2019d get some of the money, and she\u2019d just put it in her bank. At that stage, it would be great for garage sales. She could spend her money at garage sales. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tFrom 6 to 11, they\u2019re learning a whole then\u2014I mean, they are adding, subtracting. They\u2019re using percents, their decimals. At eight years old, we transfer them to envelopes. That\u2019s when they\u2019re really touching cash\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> \u2014and figuring out\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> They have three envelopes: give, save, and spend. A lot of times, when we do our giving\u2014and we have a lot of missionaries we support. Abby, when she was\u2014what?\u2014six years old\u2014she met Joni Eareckson Tada, and she fell in love with Joni. She carried her book around for days. We got a letter from Joni about something; and Abby said, \u201cI want to give to Joni.\u201d So, we all pooled our money. It was a family project, and we sent some in. That was her heart! That was incredible to watch and to bless her. She still follows her today, and she is 18. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Wow. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> And then, from 12 to 17\u2014oh, so much is happening then\u2014but at 12 years old, they start buying their own clothes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> It\u2019s so funny that she said that. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> I\u2019m just like\u2014I couldn\u2019t believe Crystal said that because that\u2019s exactly the age that we started doing it. Of course, we\u2019re going to issue grace\u2014if the boys are going through a growth spurt, and they\u2019ve been spending their money wisely, and they need underwear or sneakers\u2014we\u2019re going to buy them the things that they <em>need<\/em>\u2014not the things that they necessarily want\u2014but the things that they need. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br>But when they are buying their own clothes, you know, $200 sneakers are just really not that exciting because they are just not worth $200 when you have to earn the money to buy them. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> Here\u2019s something we saw. If I earned $100,000 a year and I was able to afford to give my kids the $200 sneakers, what I\u2019ve done is I\u2019ve handcuffed them to my earning level. Let\u2019s say they never attain that level. The struggles they are going to experience, trying to replicate our lifestyle, are epic. If I teach them to spend what they\u2019ve earned and they exceed my earning, have I handicapped them at all? No. I\u2019ve actually freed them up to be generous\u2014to give, to save, to do all kinds of things. They can accomplish incredible things. So, I haven\u2019t hand\u2014I\u2019ve basically made them like Warren Buffett\u2014a man who is able to evaluate a business, buy low, grow it, sell high. They are equipped, and that\u2019s our goal. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br><strong>Dennis:<\/strong> You know, we were not quite as sophisticated as your book talks about here. I wish we\u2019d had your training. Frankly, it would have been a great benefit; but you are reminding me of an epic conversation that pretty much occurred in each of our six children\u2019s lives\u2014when they went away to college, and they were weaned off the parental wing, protecting them and providing for them. They kept either asking or whining about why they didn\u2019t get more money because they were comparing what they were getting to go to college or what they had to college with what their friends were. That\u2019s a dangerous thing\u2014that comparison. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br>With each of them, pretty much the following conversation occurred. I\u2019d look them in the eye and say: \u201cYou know, you\u2019re becoming an adult. Becoming an adult means you have adult tastes, and you know what? As a parent, I\u2019m not committed to supplying your adult tastes and meeting all of your desires of what you want in terms of clothing, lifestyle, and the number of times you eat out. So, you know what? We\u2019ve set a little budget for you. This is what you are going to college on. We purposely set it low enough so that you have to get a job, and you have to supplement your own\u201d\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> \u2014\u201cincome if you want to do things in addition.\u201d Actually, we visited one of our children, when she was in college, and she was eating Ramen noodles, Bob. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Well, was that because of the health club membership that she had been working toward? \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> It was because of a health club membership that she had made. She had to live on a budget. The only way she could make the health club membership\u2014which was a bad choice\u2014even though it was only 25 bucks a month\u2014she\u2019d signed a contract for a year. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> And she paid dearly because Ramen noodles\u2014after a year, on Sunday night\u2014they\u2019re not her friend. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> We heard something that probably only 1 percent of parents ever hear\u2014and that was\u2014our son, Joe, who\u2019s got two semesters left in college\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> To get his bachelors. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> \u2014and he hasn\u2019t borrowed a dime. He said, to us, when he started\u2014he said, \u201cMom and Dad, I don\u2019t want you to pay a penny for my college.\u201d And he\u2019s done it. Actually, none of our kids\u2014we helped them through community college classes when they were in high school, and they graduated high school with about 30 credits\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> \u2014toward college. None of them have borrowed a dime. Starting young\u2014gives you that ability to build the strength so that they can accomplish incredible things. I said: \u201cJoe, you may be poor now. You feel like you have no money, but you are going to be miles ahead of your peers when you graduate because you aren\u2019t going to be carrying a trailer load of debt behind you.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Dennis, we do talk, in our book\u2014we have a whole chapter on college. I think it\u2019s one of the biggest chapters in the book, where we talk about, \u201cHow do you set your kids up to do this?\u201d\u2014you know, from cash to preloaded cards, to an account where they can draw from. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> To scholarships, to buying books\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Annette:<\/strong> Yes. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Steve:<\/strong> \u2014there are all kinds of ways to save. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Parents shouldn\u2019t step in and protect their children from reality because they\u2019re going to have to live there, at some point. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd what I like\u2014what you\u2019ve done in your book, and what you teach there, is you\u2019re really calling parents to\u2014first of all, as we mentioned earlier\u2014to model a lifestyle of control, to model giving\u2014really a Kingdom-mindset of sending it on ahead so that their children know where real value truly is\u2014and then, to train their children, practically-speaking, to know how to live within their means, and to be able to\u2014well, on the 1-to-5 point scale, Bob\u2014to move to the left a little bit so they can be more generous on the right. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Well, it\u2019s really all about making choices. I mean, at the end of the day, they are not easy choices for families to make sometimes; but you are making decisions about what you value, what\u2019s important, and choosing to live within your means. I think the books by Steve and Annette and Crystal help families be able to do just that, more effectively\u2014give you some tips\u2014some help on how you can bring some balance to your family finances. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSteve and Annette\u2019s book is called <em>The MoneySmart Family System: Teaching Financial Independence to Children of Every Age<\/em>. And Crystal\u2019s book is called <em>The Money Saving Mom\u2019s Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year<\/em>. We have both books in our <em>FamilyLife Today<\/em> Resource Center. Go, online, at FamilyLifeToday.com for information on how you can order both of these books. Again, the website is FamilyLifeToday.com; or call, toll-free, at 1-800- \u201cF\u201d as in family, \u201cL\u201d as in life, and then, the word, \u201cTODAY\u201d\u20141-800-358-6329, 1-800-FL-TODAY. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<br>We always want to thank those listeners, who are able to help support the ministry of <em>FamilyLife Today<\/em>\u2014our generous listeners. We have some folks who are very generous. We are grateful for our Legacy Partners, who give each month\u2014grateful for those of you, who call in, from time to time\u2014particularly, those of you who call at the end of July because that\u2019s a time of year when we\u2019re not hearing from as many folks as usual. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSo, when we hear from you to make a donation to help support <em>FamilyLife Today<\/em> to keep it on this station and our network of stations, all across the country, we appreciate that so much. This week, we\u2019d like to say, \u201cThank you for your financial support,\u201d by sending you a CD of a conversation we had with Kay Wyma. Kay is a mom, who lives in Dallas, who found a way to get her kids more involved in the management of the household. Not only did they start owning responsibility for the chores they were doing but there was a lot more peace and harmony around the home, as well. Kay shares with us how she made that happen, in the interview we did with her. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWe\u2019ll send you a CD of that interview when you make a donation this week. Simply, go to FamilyLifeToday.com and click the button that says, \u201cI CARE\u201d, to make an online donation. Or call 1-800-FL-TODAY and make your donation over the phone. Ask about the CD, <em>Cleaning House<\/em>, when you get in touch with us, and we\u2019re happy to send it out to you. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd we hope you can be back with us again tomorrow when we\u2019ll continue talking about how we can be money-smart at home and how we can raise our kids to be money-smart, as well. Hope you can join us for that. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI want to thank our engineer today, Keith Lynch, and our entire broadcast production team. On behalf of our host, Dennis Rainey, I\u2019m Bob Lepine. We will see you back tomorrow for another edition of <em>FamilyLife Today<\/em>. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<em>FamilyLife Today<\/em> is a production of FamilyLife of Little Rock, Arkansas. Help for today. Hope for tomorrow.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWe are so happy to provide these transcripts to you. However, there is a cost to produce them for our website. If you\u2019ve benefited from the broadcast transcripts, would you consider <a href=\"http:\/\/wp-stage.familylife.com\/www\/donate\">donating today<\/a> to help defray the costs?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tCopyright <sup>\u00a9<\/sup> 2013 FamilyLife. All rights reserved.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<a href=\"http:\/\/wp-stage.familylife.com\/www\/\">www.FamilyLife.com<\/a>\u00a0 \n\t\t\t<\/p>\n\t\t\t\n\t\t\t\t<p>\n\t\t\t\t\t1\n\t\t\t\t<\/p>","theme_header_position":"","post_header_is_sticky":"","is_header_overlay":""},"_links":{"self":[{"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/podcast\/302788","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/podcast"}],"about":[{"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/types\/podcast"}],"author":[{"embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/users\/91"}],"replies":[{"embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/comments?post=302788"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/media\/294104"}],"wp:attachment":[{"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/media?parent=302788"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/categories?post=302788"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/tags?post=302788"},{"taxonomy":"podcast_series","embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/podcast_series?post=302788"},{"taxonomy":"cwp_profile","embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/cwp_profile?post=302788"},{"taxonomy":"series","embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/series?post=302788"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}