Do you know how to make your money grow?

Two out of three adults worldwide is financially illiterate…

Let’s have a Pop Quiz. See if you can answer these questions (without consulting Google) and we’ll discuss the answers at the end.

1. Suppose you have $100 in a savings account earning 2 percent interest a year. After five years, how much would you have?

  • More than $102
  • Exactly $102
  • Less than $102
  • Don’t know

2. Imagine that the interest rate on your savings account is 1 percent a year and inflation is 2 percent a year. After one year, would the money in the account buy more than it does today, exactly the same or less than today?

  • More
  • Same
  • Less
  • Don’t know

3. If interest rates rise, what will typically happen to bond prices?

  • They will rise
  • They will fall
  • They will stay the same
  • There is no relationship
  • Don’t know

4. True or False: A 15-year mortgage typically requires higher monthly payments than a 30-year mortgage but the total interest over the life of the loan will be less.

  • True
  • False
  • Don’t Know

5. True or False: Buying a single company’s stock usually provides a safer return than a stock mutual fund.

  • True
  • False
  • Don’t know

How do you think you did? Was your heart racing like you were back in high school? I always hated those surprise quizzes. Anyway…

Before we jump into the answers, here’s a quick lesson on how you can make your money grow in Three Easy Steps:

  1. Avoid taxation.
  2. Beat inflation.
  3. Never LOSE money in the market.

See, taxes, inflation, and market losses are the enemies of wealth. If you can avoid those three things – or beat them! – your money will grow and start to work for you. I’ve got a great video to share with you that will explain this in a little more detail.

Watch this video all the way to the end…you’ll be glad you did.

So, what are the answers to your Pop Quiz?

  1. More than $102
  2. Less
  3. They will fall
  4. True
  5. False


Let me know in the comments OR message me if you didn’t do so well. 

They don’t teach this stuff in school! That’s why I’m here to provide financial education to families…don’t let your family fall behind because you didn’t learn How Money Works!

Periscope: What’s Influencing Your Success?

I recently read a Washington Post article about raising successful kids. Don’t we ALL want to raise successful children? I think that’s the number one goal of all parents. But there are more factors at work in the process of raising children than just our parenting skills (thank goodness!)

40-50 years of research tells us buying into a good neighborhood is one of the most important… Click To Tweet

Why Environment Trumps Parenting Practices

Have you ever considered where you grew up? Like, have you ever taken a moment to dissect the elements of your childhood? The actual physical location of your home has a lot to do with how successful you are today. Here’s why:

Where did you live? On a 60-acre farm in the country or in a small apartment in the city? If you lived in the country, chances are you were much further from your neighbors geographically, but that you probably had much more meaningful relationships with them. I grew up on about 30 acres of land in a small village in central Michigan. My sister and I had two friends, the girls who lived across the street. The next kid our age was over a mile away and was a boy…yuk. Regardless of how far we lived from each other, our neighbors depended on us and we on them. It was like having a large extended family. Our neighbors were even allowed to discipline us if necessary (“don’t ride your bike down the middle of the road!”)

If you lived in the city, then perhaps you had thousands of neighbors in your building from all different walks of life. That makes things a little more complicated. See, regardless of whether you consider yourself open-minded and un-prejudiced, we are all naturally drawn to people who look like and think like us. It’s not a bad thing and you’re not a bad person. You’re just following your instincts.

Who did you hang out with? Did you have close friends? Did family live near by? Did you hang out with the “wrong crowd”? I recently shared a post on my Facebook page about how important it is to spend time with people who uplift and motivate you. My children are still fairly young so I try to emphasize this point.

You are the average of the FIVE people you spend the most time with. ~ Jim Rohn. Click To Tweet

Who you spend your time with is a critical factor in determining the direction of your life. I always try to have a mentor, someone who is a few steps ahead of me, doing what I want to be doing. I have friends who are more spiritually connected than me so they can keep me accountable and on the “straight and narrow path” (Matthew 7:14). I also like to be the “two-steps-ahead” friend. In my mind, it isn’t fair if I’m using everyone around me to better myself if I’m not also leading others and using what I learn to help them improve their lifestyle. But our neighborhood limits the kinds of people we can connect with.

What can you do about it? There are really only two options:

  1. Get to know your neighbors.
  2. Move.

It really is that cut and dry. In an upcoming article, I’ll share the tips my husband and I learned from a millionaire mentor that helped us get into a great school district, in a lovely neighborhood, for less than half of what other people were buying in for.


Using the 7 Types of Intelligences to Help Your Kids Discover Their Gifts

Grades, “IQ” tests, and other standardized tests have caused major debates amongst parents and the education community because many believe they don’t measure the “whole child”.

Although these tests might predict how a child will perform in school, they don’t predict which children will become powerful leaders, accomplished composers, unique artists, great musicians, creative inventors, professional athletes, top-ranked sales people, inspirational teachers, spiritual leaders, or great writers.

In his ground breaking book “Frames of Mind: The Theory of Multiple Intelligences”, Harvard Psychology Professor Howard Gardner asked a different question. Instead of asking “How smart are you?” he asked the question “How are you smart?”

What a powerful question for parents to explore with their kids!

In his book Gartner outlines 7 different segments of intelligence. Although each person exhibits some level of ability in all areas, most people tend to shine in two or three areas. As parents and mentors we have an opportunity to help our kids explore each of these segments in more depth so they can discover and further develop their natural talents and abilities.

The 7 intelligences are grouped into what Gardner calls three different “frames of mind”:

  • Linguistic Intelligence and Logical-mathematical Intelligence which are categorized as “academic” and emphasized by public schools and IQ tests.
  • Musical Intelligence, Bodily-kinesthetic Intelligence, and Visual-spatial Intelligence which tend to be categorized as artistic abilities.
  • Interpersonal Intelligence and Intrapersonal Intelligence which are categorized as “people skills”.

Let’s understand each in more detail and look at how we can help our kids explore each area.intelligences

Linguistic Intelligence

Children with strong linguistic intelligence tend to think in words. They love to read, write, play word games, study foreign languages, etc. Professions include areas such as writers, journalists, interpreters, and attorneys. If you think your child has talent in this area, he can explore it further by participating in a journalism club or debate club, by writing, or by studying a foreign language.

Logical-mathematical Intelligence

Children with strong logical-mathematical intelligence tend to think conceptually. They love numbers, patterns, mathematics, and science. Professions include areas such as engineering, computer science, research science, medicine, and accounting. Schools provide a lot of opportunities for children to explore this area of intelligence.

Visual-spatial Intelligence

Children with strong spatial intelligence are strong at working in three dimensions. They tend to love maps, models, and building things. Professions include areas such as architecture and interior design, photography, engineering, and mechanics. You can help your child develop in this area by giving her models to build (including Legos!), having her create maps, or by taking a photography class.

Bodily-kinesthetic Intelligence

Children with strong Kinesthetic Intelligence tend to process knowledge through physical touch. They will learn more by doing an activity versus reading about the activity. Professions include areas such as sports, dancing, theatre, firefighter, and any work that requires them to be good with their hands. If you think your child has a natural intelligence in this area encourage her to explore many avenues of physical expression – sports, dance, acting, sewing, woodworking, etc.

Musical Intelligence

Children with strong musical intelligence tend to think in terms of sounds and rhythms. Professions include areas such as performing and/or composing music. Encourage your child to study a musical instrument, participate in a choir, and explore a wide variety of music genres.

Interpersonal Intelligence

Children with strong interpersonal intelligence understand people – they are good with communication, relationships, and getting along with others. Professions include areas such as teaching, counseling, marketing and sales, management, non-profits, medicine, and politics. Provide opportunities for your child to work with and lead others. Examples include participating in Boy Scouts/Girl Scouts, mentoring programs, volunteer organizations, and other clubs.

Intrapersonal Intelligence

Children with strong intrapersonal intelligence really understand themselves. They are deep thinkers and tend to be self-motivated. Professions include writing, philosophy, psychology, clergy, and art. If your child exhibits strengths in this area, give her time to be alone to think and create.

So why is understanding these areas of intelligence so important?

First, if your child tends to struggle in the traditional classroom finding other areas where he can excel can greatly enhance his self-esteem and joy in life. Whenever kids feel they are good at something it enhances their self-esteem and self-confidence.

Second, when kids understand more about “how they are smart”, it enables them to choose extracurricular activities, classes, and careers that leverage their strengths and natural abilities.

And finally, even if your child does well in school, exploring all areas of intelligence will empower your kids to find their passion and purpose in life. When people create lives based on a passion and a sense of purpose they tend to live happy fulfilling lives.

I invite you to share this article with your kids and have fun exploring!

Christina is a certified WISDOM Coach and an expert at helping kids create happiness and success in their lives regardless of their circumstances.


Copyright © 2011 Renaye Thornborrow, All rights reserved.
Reprinted with permission from Renaye Thornborrow.

The Best Articles I’ve Read This Week

This is my roundup of this week’s best articles on health, wellness and family. Enjoy! Oh, and if you click over and read, please be sure to tell these writer’s I sent you!

  1. I love learning. When I read this first article, I learned something new – and shocking! Britain is in talks about their food labels, specifically, whether they should add “exercise calories” to foods. Kaila over at Healthy Helper wrote a great article sharing her two cents about this topic. You may think it’s a good idea, I even thought it might not be that bad…but Kaila makes some really great points about why this might be the worst idea for food labels yet! Read what the Healthy Helper has to say in her article, Why Exercise Calories Should NOT Be Added to Food Labels.
  2. As a personal trainer, I have heard many excuses why people don’t exercise. “It’s too hard” is one of the most common excuses. But that’s only because people believe that you have to hit the gym with all out effort, rep out a million of each exercise with the biggest dumbbell on the rack, and sweat like a frappuccino in July just to get results. The truth is – you don’t. Anne has written a brilliant article teaching you how to use modifications to master the push-up. Her article, How To Do Push Ups (If You Can Do About 0 Push Ups) lays out the perfect progression to get you from feeling wimpy to feeling like She-Ra. Embrace your inner Princess of Power and start at a level that is challenging, but do-able. Your beach body will thank you!!! You don't have to sweat like a frappuccino in July to get a good workout in! #truthbomb #exercise… Click To Tweet
  3. What helps reduce psoriasis symptoms, control hypertension, improve blood cholesterol levels, prevent cataracts, and get your skin glowing? AVOCADOS! I had no idea how powerful avocados were – until I read Jill’s blog post boasting of the benefits of this ugly, but oh-so-buttery-delicious fruit! With all these awesome benefits, I bet you want some recipes so you can start eating avocados every day! Click over to Jill’s article, Everything You Need to Know About Avocados, for recipes. As a bonus, she’s given fun facts and tips for how to ripen, cut, and store your avocados!
  4. This next article hit home for me because I have a new born baby and three older boys. Having this new little one is kind of like a “do over” for me…it seems like a chance to do things better. But, did I mess up the other three kids? Are they too broken to fix? This article, What If You’ve Made Mistakes As A Parent, showed up right on time. Check it out…I think you’ll find peace in the black and white truth of what Dr. Markham has to say.*
  5. This next article is pretty timely, since having my son, I’ve been craving sweets. (Like, get out of my way and gimme that doughnut before I slap you, cravings!) But if I want to get back to my ideal weight (which is currently about 20 pounds away) I need to avoid them like the plague…So this little blog post about Overcoming Unhealthy Temptations and Cravings is right up my alley. Her last little trick for overcoming temptations is pretty slick – I think it might work for me too!
  6. This article is super sweet – both in the sincerity of the writer, Cayanne, and the message it promotes. Right now I’m battling soft abdominal muscles and loose skin from my pregnancy, so Self Love Strategies Against the Belly Bloat Blues has really helped me get over it and embrace my body. This is my journey and I’m down for the ride! I especially like her strategy number three, but all of them are powerful!

There you have it! I really enjoyed reading each of these articles and honestly, if you read all of them, it will only take about 20 minutes of your time…so sit back, relax, and enjoy the wealth of knowledge each of these articles has to offer.

*by Dr. Laura Markham, founder of and author of Peaceful Parent, Happy Kids: How To Stop Yelling and Start Connecting and Peaceful Parent, Happy Siblings: How to Stop the Fighting and Raise Friends for Life


Aren’t my kids too young to have a vision?

When I was first asked this question, I realized that people have a different definition as to what it means to have a vision for their lives.

What this parent meant was “Isn’t my 9 year old child too young to know what she wants to do (professionally) when she grows up?” She didn’t want to put too much pressure on her child at such a young age.

At Adventures in Wisdom™, encouraging kids to create a vision doesn’t mean knowing what profession they want to work in; it means deciding who they want to be in this world and what they want to experience. Yes, part of that might include their profession, but that’s just one small component of it. Think of their vision as the big picture of what they want to experience – their goals and their dreams.

Having a vision gives kids purpose and direction in their lives – it can act as their “inner compass” during their life’s journey.

Without a vision, kids may drift through life – often allowing other kids and circumstances determine their path. With a vision, kids learn to live their lives with intention as their vision leads them into their future.

So what steps can kids take to create a vision?

First, we recommend that kids create a vision about who they want to be. This is the most important step because even if they aren’t sure what they want to do or what they want to experience, who they want to be – their morals and values – is at the core of who they are, regardless of their circumstances.

For this part of the exercise, have them write down vision statements about how they want to live their life. Some examples include:

“I live my life with integrity – I do the right thing, even when no one else is looking”
“I look for the good in others – we all have special things we bring to this world.”

The next step is to look at each area of their lives and think about what they want to experience. As part of the exercise, have them use the “Balance Wheel”.balance wheel

The Balance Wheel is a coaching tool that is used to assess various areas of a person’s life for balance – emotional, social/community, spiritual, occupational/school/financial, mental, physical, family, and recreational.

Note…it is important when putting together this list that kids create their vision based on what they truly want to experience in life – not based on current circumstances and challenges.

For example, if they want to work as a doctor, but aren’t making good grades, they should still hold the vision of becoming a doctor. Low grades are just a challenge that can be managed away. It is important to teach kids not to whittle down their dreams based on their current situation.

Finally, have your kids create a vision board or write down their vision and put it someplace where they can see it every day. This serves as a constant reminder to follow their vision on a daily basis.

Christina is a certified WISDOM Coach and expert at helping kids go for their dreams and make them happen! Here’s a sneak peak of the curriculum she uses with kids!


Copyright © 2011 Renaye Thornborrow, All rights reserved.
Reprinted with permission from Renaye Thornborrow.

Active in April

Get Moving!

As part of my #onesimplechange campaign, April is officially dedicated to ACTIVITY!

The American Heart Association suggests that kids get at least 60 minutes of moderate intensity exercise per day. Parents should get at least 30 minutes of moderate intensity exercise per day.

It’s good for your heart.

It’s good for your lungs.

It’s good for your bones.

It’s good for your family!

So what are you waiting for?

Oh! You need some ideas? Okay…

12 Ways to Get Moving

  1. Try hula hooping
  2. Get out the jump ropes
  3. Go skating or scooting around the neighborhood
  4. Have a dancing contest
  5. Play frisbee in the front yard
  6. Go for a walk or take a hike
  7. Play tag or hide n’ seek
  8. Go on a scavenger hunt
  9. Walk across America (game instructions here)
  10. Fly a kite at the park
  11. Go for a bike ride
  12. Build an obstacle course



*Some of these links are affiliate links. If you purchase from them, I get a little kick-back which helps me keep my programs running and this blog up! Thanks!

Your Family Can Walk Across America

healthy familyThis is a fun game that I encourage my clients to play!

Imagine how long it would take you to walk from your town to the farthest coastline…

Let’s Walk Across America

Put up a map on your refrigerator or wall and get your family out the door for some family walks! Keep track of your mileage with an app on your smart phone or with a pedometer. Plot your progress with a magic marker on the map.

Could you cross the continent, pioneer-style, in 80 days?

You can give yourself 15 miles credit for each mile walked with your family, since you don’t have the advantage of a covered wagon!

What if you simply record equivalent walking distances, individually or collectively?

Where will you be by Thanksgiving?

Team up for a little variation and competition. Let parents and children can take different routes: the Old Oregon Pony Express trail for mom and dad and Route 66 for the kids.

Game by Whitlatch, Shelley: FitPlay: Building healthy lifestyles for kids. (2nd ed.)

The Silly Side of Parenting

What did the bison do when he ran out of money?

He got a buff-a-loan!

What is a cat’s favorite color?


Why was the ant so confused?

Because all his uncles were ants!

What do dogs eat at the movie theater?


Why did the bald man put a rabbit on his head?

He needed hare!

What do you get when you cross a bear and a skunk?

Winnie the pee-yew!

My kids have been enjoying jokes like this all year long from my Lunchbox Jokes book! I got these from the stack that my middle son has saved. He likes to pull a couple out before dinner and tell them – although I don’t advise this since we’ve had several milk-through-the-nose laughs because of some of the jokes!

You can click here to get your own lunch box jokes –> AFFILIATE LINK

Don’t think that just because school is almost over that these aren’t a good idea! Leave them in your kids pants pockets, on their pillow, tape it to their bike helmet…find little ways to surprise them through the summer!

Top 5 Exercises for Postpartum Moms

I am almost one month postpartum and although I’m still slightly sleep deprived, I’m loving every second of having a new baby in the house again!

But I have to admit that I didn’t keep up with my fitness as well as I should have during my pregnancy, so I’ve got a lot of work ahead of me to get back to my pre-pregnancy body. Can you relate?

Eh, it’s okay. We’ll make it through together. Baby steps…baby steps.

The other day as I was getting ready to exercise (getting out of bed) I thought of the exercises I need to do to help my body support my baby. A few exercises came to mind and I want to share them with you!

As an ISSA Certified Master Trainer, trainer-of-trainers, and postpartum mom; here are my TOP 5 EXERCISES for Postpartum Moms:

  1. Kegel exercises: Find the muscles you use to stop urinating. Squeeze these muscles for 3 seconds. Then relax for 3 seconds. Your stomach and thigh muscles should not tighten when you do this. Add 1 second each week until you are able to squeeze for 10 seconds each time. Repeat this exercise 10 to 15 times per session. Try to do this at least 3 times a day. Don’t do Kegels while you urinate. Doing them during urination can hurt your bladder (WebMD).
  2. Side lateral raises: Grasp dumbbells in front of thighs with elbows slightly bent. Bend over slightly with hips and knees bent slightly. Raise upper arms to sides until elbows are shoulder height. Maintain elbows’ height above or equal to wrists. Lower and repeat.
    NOTE: Keep elbows pointed high while maintaining slight bend through elbows (10° to 30° angle) throughout movement. At top of movement, elbows (not necessarily dumbbells) should be directly lateral to shoulders since elbows are slightly bent forward. Dumbbells are raised by shoulder abduction, not external rotation. If elbows drop lower than wrists, front deltoids become primary mover instead of lateral deltoids. To keep resistance targeted to side delt, torso is bent over slightly (
  3. Standing hip abduction: Stand with feet slightly apart, knees slightly bent, hands on hips. Shift weight to right leg keeping it slightly bent. EXHALE: Keeping toes pointed forward, foot flexed, and leg straight, lift the left foot off the ground and out to the side as high as you can. Hold here for 2 counts. INHALE: Lower slowly with control without letting left foot or leg rest, to complete one rep. Complete all reps and switch sides.
    NOTE: Do not let momentum swing your leg. Keep it slow and controlled. Try to keep upper body straight– don’t lean forward or back. Also try to keep both legs in line with body, not forward or behind (
  4. Plank: Start by getting into a push up position. Bend your elbows and rest your weight on your forearms and not on your hands. Your body should form a straight line from shoulders to ankles. Engage your core by sucking your belly button into your spine. Hold this position for the prescribed time (
  5. Squats: Stand with feet a little wider than shoulder-width apart, hips stacked over knees, and knees over ankles. Roll the shoulders back and down away from the ears. Note: Allowing the back to round (like a turtle’s shell) will cause unnecessary stress on the lower back. It’s important to maintain a neutral spine throughout the movement. Extend arms out straight so they are parallel with the ground, palms facing down. Initiate the movement by inhaling and unlocking the hips, slightly bringing them back. Keep sending hips backward as the knees begin to bend. While the butt starts to stick out, make sure the chest and shoulders stay upright, and the back stays straight. Keep the head facing forward with eyes straight ahead for a neutral spine. The best squats are the deepest ones your mobility allows. Optimal squat depth would be your hips sinking below the knees (again, if you have the flexibility to do so comfortably). Pro tip: Squatting onto a box until the butt gently taps it will be a reminder to squat low. Engage core and, with body weight in the heels, explode back up to standing, driving through heels. Imagine the feet are spreading the floor (left foot to the left, right foot to the right) without actually moving the feet (
Get this Master Trainer's List of the TOP 5 #EXERCISES for #POSTPARTUM MOMS! Free printable… Click To Tweet

Why do I prescribe these exercises? Let’s review:

Kegel Exercises

These exercises will help prevent those little “sneeze-squirts” that happen to all new moms. Also, if you have older kids who like to go to trampoline parks…you’ll be able to join them without wearing a diaper. ’nuff said?

Side Lateral Raises

As much as you’ll be nursing, snuggling, and rocking your little one, you’ll need some strong deltoids. These are the muscles at the tops of your shoulders that connect to your biceps and triceps. They look very pretty in tank tops when they are lean and developed! But they don’t need to be huge. Using a light weight and high repetitions will build the muscular endurance you’ll need for cuddling your newborn. As baby gets bigger, increase your resistance and use a lower number of repetitions to build muscular strength. I’ll share anterior and posterior deltoid raises in another post so that you get some pretty, well-balanced shoulders.

Standing Hip Abduction

My hips were shot after my first pregnancy. As a matter of fact, for all three of my pregnancies I had to sleep in a reclining chair instead of my bed because the stress of laying flat was too much for my spreading hips. If you experienced hip pain during your pregnancy, then you probably avoided any and all exercises that made them even more sore…so this exercise will help to strengthen those hips again. Great for the “mom rock” that you’ll be performing for countless hours per day.


This is the safest exercise for moms who have had a natural or Cesarean birth. You can start on your knees, work your way up to a full plank and then add some weight as you progress. You’ll need strong abdominal muscles for carrying that little babe everywhere you go!


Starting in your second trimester, you may have noticed your lower back aching a little more than usual. Then, as baby started plumping up, you may have noticed a considerable curve in your lower back. Reasonably so, as your abdomen was jutting out with the weight of a tiny human and pulling your lower back forward. To strengthen your lower back and correct that curve, you’ll need to do some squats. Plus, if you’re like me, your booty disappeared and your hubby is lamenting the loss. Squats will plump up your back side and make hubby happy.

There you have it!

Join me on Instagram for photos of each of these exercises and for more exercises to help you get back in shape and ready to chase that growing-up-faster-than-we-want-them-to little one!

As an added bonus, here’s a basic exercise plan to help you get started! I’ve included some additional exercises in it so you’ll have a well-balanced program. Please feel free to share!

Click here to download –> POSTPARTUM FITNESS PROGRAM <–

Update Your Breakfast Faves

Most of the time, breakfast favorites such as pancakes and waffles get put in the not-so-healthy food category. Depending on how you make them and what you layer on top, they could become more of an indulgence than a well- balanced meal. Did you know that you can easily incorporate Juice Plus+ Complete Shake mix in to your favorite pancake or waffle recipe? In honor of National Nutrition Month, we have compiled a few recipes to give your morning favorites a boost with fruits and veggies:

Maple Peanut Banana Bread Waffles

If you love banana bread, then this is the breakfast for you! This recipe combines the warm filling satisfaction of banana bread with a protein packed punch of peanuts. Bananas are packed with potassium, which helps to lower blood pressure and prevent muscle cramps. Add a scoop of Juice Plus+ Complete Shake Mix to add a healthy dose of protein and fiber.

Strawberry Banana Pancakes

Since it’s Hot Breakfast Month, why not substitute your favorite strawberry banana smoothie with hearty strawberry banana pancakes. Strawberries help boost immunity, promote eye health, and reduce inflammation. By substituting Juice Plus+ Complete Shake Mix for the protein powder listed in the recipe, you will not only receive the benefits of strawberries and bananas but a low-glycemic, gluten-free nutritional mix.

Quinoa Cakes

Quinoa isn’t an ingredient to save only for dinner time! Try integrating the grain into your breakfast routine by making this Quinoa Cake recipe. Benefits of this superfood include being high in both protein and fiber, all while being gluten- free. Complete your morning cakes with Juice Plus+ Complete Shake mix, the all-natural blend that is naturally low fat.

Change up your routine and don’t be afraid to remake classic recipes to be healthier with the help of Juice Plus+. What are ways you use to make your favorite hot breakfast healthier?


– See more at:

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