Part 2: The Parent Playbook to Raising Money-Smart KidsMoney talks don't just shape marriages - they shape the next generation. In this episode of Life Engineering, I sit with senior wealth advisor Steve Sebag to break down a practical, values-first approach to raising money-confident kids: the Save/Spend/Give system, modeling generosity, smarter allowances, when to pay for "above & beyond," and how to introduce investing and compound interest early-without overwhelm or shame.Key takeaways:Start as soon as they can count. Use three jars: Save / Spend / Give to make money tangible.Model what you want to see: intentional purchases, tipping, generosity, trade-offs.Allowances teach budgeting; tie extra pay to above-and-beyond work (not basic chores).Make money talk normal, not taboo; secrecy breeds anxiety.Introduce investing & compounding early-$50/month + time beats later perfection.Calibrate support: ask, "Is this empowering or enabling?"Let culture & values guide big choices (tuition vs. home vs. business), not comparison.Aim to pass financial wisdom, not just wealth: earn → budget → invest → give.About Steve:Steve Sebag is a Senior Wealth Advisor & Senior Portfolio ManagerWith over 25 years of experience in wealth management, Steve Sebag is a distinguished professional in the financial landscape. A graduate of the John Molson School of Business, he holds a degree in Finance and the Chartered Investment Manager (CIM®) designation. As a founding partner of SKS Investment Partners, Steve leads the Montreal practice, specializing in crafting strategic wealth management solutions for high-net-worth clients and affluent families.Steve is passionate about developing financial strategies tailored to the unique goals and aspirations of each family he serves. Beyond finance, he's a philanthropist, a community leader, and the co-founder of FIX, a program supporting young people facing serious challenges, including addiction.- https://skspartners.ca/- https://www.linkedin.com/in/stevesebag/Gabriela Embon – Speaker – Author – Life Engineering coachWebsite: https://gabrielaembon.com/Email: [email protected] a Power Couple – 4 Pillars to Engineer Legendary Marriages Book: https://gabrielaembon.com/book/https://www.gabrielaembon.comhttps://www.facebook.com/gabriela.embonhttps://www.linkedin.com/in/gabrielaembonhttps://www.facebook.com/coachingacademynethttps://www.instagram.com/coachingacademynethttps://www.youtube.com/@coachingacademynet

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