is to start with something simple and achievable, yet dynamic. could be making a purchase, like a pair of sneakers or a sweater. saving to have a few dollars for a future purchase. or how much money do you think you spent this week? and starting with some actual facts. so it's an exercise i think to be engaged together with your children, rather than giving out like a homework assignment. having a job as a teenager is an incredibly valuable experience and not necessarily just about earning the money, but understanding what it takes having a job. and so just keeping it simple and bite-sized and moving them through a conversation over time is probably a better way to do it. i am daniel dibiasio and we are morgan stanley.