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Between ages eleven and twenty, kids transition from dependence to independence. Their relationship with money often mirrors that shift. In this episode Wealth Advisors Kevin Engbers and Ryan Ovenden discuss how to guide children through this pivotal stage with clarity, consistency, and care. From teaching stewardship through everyday choices to preparing teens for financial independence, the conversation is filled with practical insights. These years shape lifelong habits, and parents play a critical role in building a foundation of purpose, gratitude, and responsibility. In This Episode How kids internalize money mindsets through repetition and modeling What parents can do to help children grow into financially wise adults The importance of teaching decision-making, not just saving and spending Lessons in discernment, delayed gratification, and generosity What to say before your teen heads out on their own "Your kids are watching. How you talk about money, how you handle money, and how you model generosity all shape what they carry into adulthood." Hosts: Kevin Engbers CFP®, CEPA®, Wealth Advisor, CEO & Founder Ryan Ovenden, CFP®, CKA®, Wealth Advisor Listen on: Youtube: https://www.youtube.com/@pinnacleweal... Spotify: https://open.spotify.com/show/5Q2PArl... Apple Podcasts: https://podcasts.apple.com/gb/podcast... Pinnacle Wealth: https://www.pinnaclewealth.com/true-w... Explore more tools and resources for purposeful financial parenting or connect with an advisor at http://PinnacleWealth.com to align your financial plan with the values you hope to pass on.