MAP OUT THE FEELINGS
AND VALUES YOU HOLD
TOWARDS MONEY.
Sitting there, I knew I was going to
start the process of incorporating
financial conversations in my home.
Knowing how and when to start was
the challenge. How would I explain to
my 7-year-old, "Yes, Mom works at
the bank, and I handle other people's
money very well, but when it comes
to my finances, I suck."
I didn't have any spare money lying
around, and I wasn't exactly leading
by example to be transparent. I
wouldn't say I was horrible with
money, but I had a few unhealthy
habits.
I remember feeling defeated,
embarrassed, and broken.
Experiencing those emotions that
day, I knew that I never wanted my
child to look at his financial situation
and feel like I felt.
Had I taken the time to understand
my finances and how to maintain my
finances properly. I would not be in
my current situation. I was almost 30,
moving back into my mother's house
with a 7-year-old and a soon-to-be ex-
spouse.
I had only been married for six months.
Yes, read that again!!
Six months after getting married, I was
getting a divorce. I learned a lot about
myself during this time. How to love me
entirely was the most important lesson. I
also learned that there are blessings in
everything. At that moment, sitting at
my table, I didn't see any of those
blessings.
Somewhere along the lines, I forgot
that when I was going through
financial hardships, my son was on
that road with me. He wasn't helping
pay the bills, but he would hear me on
the phone dodging bill collectors or
see our electric bill in the pink or yellow
envelope. Financial conversations had
become taboo in my home, and I was
learning that children should discuss
household financial decisions even at a
young age.
Working in corporate America
allotted me just enough to pay my
bills, take care of my son, and have the
infamous payday lunch. You know
that splurge lunch "Give me the
Shrimp and the Steak" type of meal. I
was content with this life, but I knew
my son deserved better. As a single
mom, I understood that I would have
to be the one to make sure he
learned the lessons on money, which
meant that it was time for me to start
making changes.
Was I ready to face the woman in the
mirror?
To help my child with his money
mindset, I needed to get my
thoughts on finances together for
the challenge that lay ahead of me.
When having financial conversations
with a child, I knew that I would need
to pour into him continuously.
Beginning this financial journey as
early as possible was imperative so
he could become a financial genius.
When making these changes, it
would take us both changing how
we thought about money. We both
needed to learn what it meant to
have a
MINDSET PLAN
0 TIMES
1-5 TIMES
5-10 TIMES
10+ TIMES
I feel that you downloaded this
worksheet because you are ready
to change the narrative of how you
are addressing the topic of money
in your home. You are changing
your outlook, and you would like
your child to develop a healthy
relationship with money. My one
wish is that this worksheet makes it
a little easier when you begin
having wealth conversations in your
household.
RhealUrban
Rheal Urban
If you are ready to take the next
step in building generational
wealth, check out our website for
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Copyright © 2021 by Rheal Urban
All rights reserved. This worksheet or any portion thereof
may not be reproduced or used in any manner whatsoever
without the express written permission of the publisher
except for the use of brief quotations in a book review.
Printed in the United States of America 2021
ISBN 0-9000000-0-0
Rheal Urban LLC