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As parents, we constantly guide our children to each milestone – off the bottle, first day of kindergarten, first car, high school graduation. We didn’t know that one of the most significant milestones is when you transition your young adult off your payroll and they are financially independent.
Take Care Of Your Damn Self: How To Graduate Your Young Adult Off Your Parent Payroll is filled with financial strategies and tools to help you transition your child into adulthood.
Once your child graduates from high school, it’s time to go beyond operating as mommy and daddy and step into your new role as coach.
Our graduation curriculum includes a thought-provoking book and an action-oriented workbook to help you get your head and heart in the game so you can get your wallet back!
Mindfulness
The process of graduating your child off your payroll will require you to do the inner work.
We help you navigate through the conversations you need to have with yourself and your Grad so you can create the financial freedom that you deserve and empower them to be financially independent!
Financial Foundation
Some of the building blocks to the financial freedom we all desire include organization, credit, and saving, along with understanding debt.
Learn how you and your Grad can apply these fundamental principles to achieve your money goals and evaluate how to make good decisions regarding debt.
Car & Renters Insurance
Life is going to happen! We break down how you and your Grad can be prepared and protected for any situation with car and renters insurance.
Do you know when it’s time to remove your Grad from your car insurance – regardless of cost?
We’ve got you covered!
Budgeting
On the road to financial freedom, your budget is your GPS system.
We teach you and your Grad how to allocate money for needs and wants through an intentional budget.
We also cover smart shopping strategies and a proactive approach to planning for their major purchases without depending upon you as a parent.
Taxes
Money gives us freedom, but there are some rules that we have to follow because the federal government says so.
We break down what you and your Grad need to know about taxes, including how long you can or should claim them, understanding their paycheck, and the difference between getting paid as an employee vs. contractor.
Financial Aid & Scholarships
When it comes to preparing for college, it’s truly a different world!
We help you and your Grad navigate the financial aid and scholarship process so you don’t leave money on the table.
Learn who should be responsible for each step of the process (i.e. completing forms, following up with colleges, etc.).
Parental Legal Rights
Did you know that once your child turns 18, you no longer have access to their medical records, financial records or even their college grades (even if you’re footing the bill)?
This chapter will help you understand your responsibility when signing certain documents for your Grad (i.e. leases, loans).
Also, the importance of your Grad having contact information for essential people (i.e. your accountant, insurance agent) and the location of critical documents (i.e. insurance papers and wills).
Health Benefits
Will your health insurance cover your Grad when they’re in college out of state?
Does your Grad know what open enrollment is and what benefits to sign up for?
Let us show you how to navigate your Grad’s health benefits as they transition to adulthood through our real-life examples and aha moments.
Rent & Allowance
How you run your household is your business!
Whether you decide to charge your Grad for rent or you give them an allowance, the power is in your hands.
We give you some pointers to think about and resources to help you calculate your financial contribution.
Supporting Your Entrepreneur
Whether your Grad has a side hustle or aspires to be a full-time entrepreneur, we help you determine how to support them and calculate the cost of your contribution to their business, if you choose to.
The process of graduating your child off your payroll will require you to do the inner work.
We help you navigate through the conversations you need to have with yourself and your Grad so you can create the financial freedom that you deserve and empower them to be financially independent!
Some of the building blocks to the financial freedom we all desire include organization, credit, and saving, along with understanding debt.
Learn how you and your Grad can apply these fundamental principles to achieve your money goals and evaluate how to make good decisions regarding debt.
Life is going to happen! We break down how you and your Grad can be prepared and protected for any situation with car and renters insurance.
Do you know when it’s time to remove your Grad from your car insurance – regardless of cost?
We’ve got you covered!
On the road to financial freedom, your budget is your GPS system.
We teach you and your Grad how to allocate money for needs and wants through an intentional budget.
We also cover smart shopping strategies and a proactive approach to planning for their major purchases without depending upon you as a parent.
Money gives us freedom, but there are some rules that we have to follow because the federal government says so.
We break down what you and your Grad need to know about taxes, including how long you can or should claim them, understanding their paycheck, and the difference between getting paid as an employee vs. contractor.
When it comes to preparing for college, it’s truly a different world!
We help you and your Grad navigate the financial aid and scholarship process so you don’t leave money on the table.
Learn who should be responsible for each step of the process (i.e. completing forms, following up with colleges, etc.).
Did you know that once your child turns 18, you no longer have access to their medical records, financial records or even their college grades (even if you’re footing the bill)?
This chapter will help you understand your responsibility when signing certain documents for your Grad (i.e. leases, loans).
Also, the importance of your Grad having contact information for essential people (i.e. your accountant, insurance agent) and the location of critical documents (i.e. insurance papers and wills).
Will your health insurance cover your Grad when they’re in college out of state?
Does your Grad know what open enrollment is and what benefits to sign up for?
Let us show you how to navigate your Grad’s health benefits as they transition to adulthood through our real-life examples and aha moments.
How you run your household is your business!
Whether you decide to charge your Grad for rent or you give them an allowance, the power is in your hands.
We give you some pointers to think about and resources to help you calculate your financial contribution.
Whether your Grad has a side hustle or aspires to be a full-time entrepreneur, we help you determine how to support them and calculate the cost of your contribution to their business, if you choose to.
The adjustment is easy for some but difficult for others. Everyone’s approach is different, but transitioning your adult kids off your payroll is absolutely necessary.
Each year, 2x as much is spent on adult children by parents than they elect to contribute to their retirement accounts, according to a Merrill Lynch study.
Are you sacrificing your retirement by continuing to financially support your young adult?
Jini Thornton, the author of Take Care Of Your Damn Self, and mother of two sons knows first-hand the challenges of scaling back on financially supporting her young adults. But that hasn’t stopped her from fully funding her retirement before age 55.
Check out this video to learn more about Jini’s journey to end parent payroll!
The saying “it takes a village” hits different when you realize that you don’t know everything to prepare your child to be financially independent. It’s difficult enough to find trusted advice on one financial topic, let alone get insight on 18 different topics.
That’s why we’ve done the heavy lifting and assembled a roster of 12 subject matter expert superstars who contributed to Take Care Of Your Damn Self: How To Graduate Your Young Adult Off Your Parent Payroll.
Meet the best of the best that’s here to help you prepare your child to be a financially independent adult.
Music shifts energy! Need a soundtrack to stay motivated as you shift your role from being just a parent, to also being a financial advisor for your adult kids? We got you!
We’ve curated a Spotify playlist full of songs to inspire you to graduate your young adult off your parent payroll!
Subscribe to our email list to download a free excerpt from the Car Insurance chapter of the book! We dive into 18 car insurance questions you need to know, plus much more!
