Half of us made our first major money decisions — student loans, credit cards, apartment leases — without a single lesson. And now we’re raising kids who tap a phone and think money is unlimited. That cycle ends here.

In this episode, D.J. breaks down the real long game: teaching your kids about money at every age, navigating AI safety before it navigates them, and building the kind of thinking that the old playbook never covered. From the three-jar method to custodial debit cards to having the hard conversation about AI companion bots — this is the practical, no-fluff roadmap for parents who are still learning while they lead.

What You’ll Walk Away With

• How to start money conversations with kids as young as preschool
• The three-jar method (and why most people do it wrong)
• Why your tween needs a supervised debit card before college
• The emotional side of money nobody talks about with kids
• What AI companion bots are doing to our children right now
• California’s 2026 legislation on AI products for minors
• Tools like Greenlight, GoHenry, Khan Academy AI, and Google Family Link
• Why adaptability matters more than the old “get good grades” playbook
• One thing to do this week that moves the needle

Resources Mentioned

• Greenlight App — Kids’ debit card + financial literacy tools
• GoHenry App — Kids’ spending management and controls
• Khan Academy AI Tutor — AI-powered learning platform
• Google Family Link — Parental controls for Android
• Apple Screen Time — Parental controls for iOS
• Free Legacy Home Starter Kit — 🎁 https://haze-legacy-heights.kit.com
• Support the work - https://buymeacoffee.com/djlegacylab