Got Irresponsible Kids? Immediate Help Here

Today I’m featuring an article by Debbie Pincus, MS LMHC that originally appeared on empoweringParents.com. If you’re worn out by parenting irresponsible kids—if you feel at a loss as to what to do about it—this article is for you.

Debbie’s article on parenting irresponsible kids is here.

Irresponsible kids take up massive amounts of parental energy.

I love this article because it explains in practical terms how to allow your irresponsible child to be emotionally separate from you.

This idea of “emotionally separate” might seem odd to you at first. You might think, “Wait a second—I want to be emotionally close to my kids! Not separate!” But give this article a chance.

You just might find yourself feeling closer to your kids than ever.

While saving your own energy for taking care of yourself.

irresponsible

You can help irresponsible kids become happy, responsible kids.

Read Debbie Pincus’s great article on parenting irresponsible kids here.

After you do, you might feel greatly inspired that your teen or college student should get a part-time job. Get help and support on this subject by listening to my podcast episode where I talk about how great part-time jobs can be for teens and college students.

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The Genius Way to Hack the Education System

Today, let’s talk about a genius way you can hack the education system for any kid age 15 and up.

If you’ll use just one simple tool—and just about two hours of your time—you can hack the education system so that it works better for the uniquely created kids you care about.

hack the education system

The genius way to hack the education system:

1. Spend less than $15 and order the CliftonStrengths Assessment. (Also called StrengthsFinder 2.0.)

Be sure to order a brand new copy—so it’ll have the one-time code in the back that allows your child to go online and take the CliftonStrengths assessment.

2. The assessment will arrive in the form of a hardcover book. Flip to the back of the book, and rip open the red envelope you find there.

You’ll find instructions inside that allow one person (age 15+) to go online, answer 177 rapid-fire questions, and instantly learn his or her top 5 human strengths based on Gallup research.

3. Afterward, have your child read the easy-to-read chapters associated with each of his or her strengths—with pen in hand.

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Debt-Free College? Really? YEP. Start Here.

Debt-free college? Is that even possible for ordinary families?

YEP.

No matter your current income level, and even if your kids don’t get a single scholarship.

Debt-free college is achievable. Here’s the starting line.

Recently, Parents.com did an article on me. They asked me, “What 5 things should families focus on first—if their goal is debt-free college for their kids?”

debt-free college

For families who realize that happily ever after for their kids includes starting out on solid financial footing, the Parents.com article is really helpful.

(And if you’ve followed me for a while, you’ll benefit from hearing my strategies in someone else’s voice!)

Read the Parents.com article about debt-free college here.

It contains a surprise bonus: a 4-minute video about me and my family that tells how I went from being a test prep instructor and admissions consultant to inspiring the world about debt-free college. It’s a video feature called Real Moms/Real Money—and the day it came out, Martha Stewart shared it on Facebook!

If you’ve ever thought it’d be fun to see me in my house, in my real mom life, here’s your chance!

Give your kids a great start toward happily ever after.

See the 5 big debt-free college strategies in the article, and watch the Parents.com video here.

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Why Your Kid Needs a STRENGTHS Coach (More Than a Sports Coach)

Right now you might be thinking, “A strengths coach? What is that?”

Every child and every adult has personal strengths they can capitalize on in order to achieve success and highest levels of life satisfaction.

Do you know exactly what your greatest strengths are? I’m not talking about guessing. Do you know your strengths because you’ve had a professional person assess you, and name and describe your strengths for you?

Can you imagine how teens’ lives might change if they had a professional do this for them?

Let’s talk about that today.

Strengths coaching can relieve stress and pressure for your teens—and, as a side benefit, it can also contribute to your family saving $50,000 or more on college costs.

Read on to learn more.

Strengths coaching helps teens clarify the bullseye on the target before they take aim and shoot.

Here’s the #1 best tool I recommend for that.

When students reach age 15—or as soon as possible after that—I recommend they do some specific assessment work that helps them know what they’re naturally good at, what they love, what they’re naturally interested in, how they relate to other people, get energy, solve problems, make decisions—and what natural strengths and talents they bring to personal life and to the world of work.

Students who know these things—students who can verbalize these things as early as 10th grade—aren’t just amazing in job interviews starting very early on. They don’t just enjoy increased confidence. They’re also in ideal positions to start choosing college programs they might want to be a part of.

Like an arrow, straight to a bullseye.

Not one wasted class, not one wasted dollar.

Here’s the specific assessment I recommend taking first.

Once your child reaches early high school, I want him or her to take the CliftonStrengths Assessment under the direction of a live, human, Gallup-certified strengths coach.

strengths coach

This is important, because I don’t want you and your kid to just read over some printed results on paper and then toss the paper to the side.

You need a trained, qualified strengths coach to do this with you—and it can’t be me.

I don’t do Gallup strengths coaching myself—I’m not certified to do it.

I can help you locate a trained, qualified Gallup strengths coach who will go over these strengths results with you and your child, and be with you—either in person or in a teleconference—providing one-on-one training and coaching for you and your child as you apply this assessment knowledge to life, to family relationships, to the path to college, and to thoughts about future career.

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In My Keynote Address—I Made This Amazing Promise

On Sunday, October 4th, 2020, I was the keynote speaker at the online College Planning Untangled conference.

Below is a small segment of that keynote.

(If you’ve followed me for a while—can you guess what key principle I was speaking about here?)

speaking

I said:

“Here’s our third goal for tonight. Toward the end of our time together in this hour, I’m going to teach you one key principle that no one else you know is talking about.

One key principle that can untangle all the college confusion—and send your kid shooting like an arrow straight to a bullseye—without stress, pressure, or anxiety of any kind.

I’m going to give you a phrase to write down. Write this down now so you’ll be sure to catch it when I talk about it tonight:

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Melanie Lockert’s Jolting Student Loan Debt Wake-Up Call

Melanie Lockert of Los Angeles, California tells about the jolting student loan debt wake-up call she had right after completing grad school.

Lockert’s jolting student loan debt wake-up call

Lockert had wisely worked multiple part-time jobs throughout school, and for five years had made consistent monthly payments on her student loan debt. Yet, when she left grad school, she still owed a whopping $68,000 on her $81,000 student loan bill.

She’d worked so hard, and paid so faithfully—yet she still owed a staggering $68,000? How could this be?

The insidious nature of student loan debt interest

As Lockert dug into the “why” behind what had happened to her, she uncovered the reason. For five entire years, she’d paid only the minimum each month.

“When I graduated from NYU, I started to do the math and I realized I was paying $11 a day in interest,” she says. “That just really woke me up.”

Lockert was paying $11 a day in interest on her student loan debt

No wonder she wasn’t getting ahead.

Now Lockert warns others.

“When I was 17/18, I signed up for student loans not knowing how interest worked,” she told CNBC Select. “I subscribed to the idea that everyone has student loans, that it’s good debt. It wasn’t until I graduated from NYU when I was more broke than before that I realized the only way I was going to get out of debt was by paying more than the minimum.”

Photo courtesy of Melanie Lockert and Dear Debt

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