Teaching Children about Money

Image: Girl holding pitcher in front of lemonade stand (Hurst Photo) All Rights Reserved.

  • What did your parents say to you about money, growing up?
  • What did you learn about money from watching your parents?
  • What do you wish you had learned from your parents about money?

Money is one of the most awkward topics to discuss with our children. It goes right to the heart of our values and often, to any shame we are carrying from our own life experiences. A study by T. Rowe Price in 2017 revealed that 69% of parents feel reluctance in talking about money with their children.

And yet the Torah is adamant that we talk to our children about our possessions, including money:

Hear, O Israel, Adonai is our God, Adonai is One. You shall love Adonai your God with all your heart and all your soul and with all your possessions. And these words that I command to you today shall be in your heart: you shall teach them diligently to your children, and you shall speak of them when you sit at home, and when you walk along the way, and when you lie down and when you rise up.”

Deuteronomy 6:4-7

There it is, right in the Shema prayer: “You shall love… God… with all your possessions. And these words that I command to you today… you shall teach them diligently to your children.”

Here are some suggestions for talking with children about money:

  1. Take some time to think about your own values and feelings about money, and those of the other parent. Ask yourself, “What do I really believe, and how does it show in my behavior?” We cannot be truthful with our children if we aren’t truthful with ourselves first.
  2. Also, listen to your own speech about money: whom you admire, whom if anyone you envy, whom you talk about in disparaging terms. Keep in mind that your children are taking all this in: are these the messages you want to teach them?
  3. Talk about needs vs. wants. This works better when it is not in the middle of a conversation about something your child desperately wants. Let them hear you think out loud about your own money decisions.
  4. Answer questions about money with questions to find out what exactly your child is asking. If a child asks, “Are we rich?” ask, “Why do you ask?” Get at the actual question, which might be anything from “Do we have enough money to live?” to “Someone at school said some mean anti-Semitic things to me about rich Jews.”
  5. When a child expresses worry, take them seriously. Find out what is worrying them about money, hear them out, and reassure them as truthfully as you can.
  6. As children grow up, let them participate in some family decision-making about money. The tzedakah budget is a great place to begin.
  7. Children need practice in handling their own money, either from an allowance or money that they earn themselves.
  8. Above all, be honest. Children need to be able to trust you, and if you aren’t telling the truth (if your words don’t match your behavior) they will notice and will not know when to believe you.

Want To Raise Jewish Children?

Thirty years ago, when I was the single mother of two little boys, we had one of those moments that turns into family legend. I was using a power drill to fix something, and the six-year-old (who loved tools) was trying to keep the four-year-old (who loved touching things) back behind the tape line I had set as a “sit here and watch” boundary. Aaron knew that if Jamie didn’t stay behind that line, I was going to put the tools away, and wait to do the work when they weren’t at home.

Finally, in desperation, he hauled his little brother back from the line one last time and said, “Jamie! You don’t want that stuff! It’s GIRL STUFF!” Jamie wasn’t fooled, though: that was Adult Stuff, and he wanted it.

To this day, we refer to power tools as “Girl Stuff” in our family.

Kids want to do the things they see their parents doing. They see those things as far more desirable than “kid stuff.” They’re smart; they see what we think is important, and those things are irresistible to them.

So when we are talking about raising Jewish children, the question I always want to ask parents is, what is important about Judaism to you? And what do you do about that? Because that is what your child sees (or will see.) That is a more powerful message than anything likely to happen in Hebrew school.

If you want your children to love Jewish learning, let them see you engaging in it. Find a group doing some kind of Jewish learning that interests you, and make it a priority. Read Jewish books in their presence. Read Jewish books to them. Cook Jewish food (if you don’t know how, that’s fine – let them see you learning how to cook Jewish food.) Watch Jewish films, listen to Jewish music, sing Jewish songs, go to synagogue or the JCC or wherever it is you want to be your child’s second Jewish home.

You don’t need to know Hebrew, but if they see you trying to learn Hebrew, they’ll be fascinated (especially if it threatens to become the language for adult discussion at home.) They will be thrilled when they find out that their sponge-like child brains will outstrip you in language learning. You may still be on “Alef-Bet” when they are chattering away with other kids at Hebrew school. That’s OK: every scrap of Hebrew you learn will serve you well.

Jewish culture is not magic. Unless you are living in Israel or certain Jewish neighborhoods in the US, your children will not catch it by osmosis. The dominant culture will simply wipe out Jewishness that isn’t heavily modeled and given precedence at home. The dominant culture is a secularized Christianity, with holidays at Christmas and Easter and parking meters that are free on Sunday. The culture will teach them about pop stars and TV and sports and Christmas shopping, but if you want them to be Jewish, they will need to get that at home.

The good news is that if your children are still little, there’s plenty you can do. First, think what it is about being Jewish that is important to you. Then prioritize it and act. If you feel that you don’t know enough to identify what is meaningful to you, take a Basic Judaism class. See what interests you, and pursue that interest. If your Hebrew is rusty, or you’ve never learned it, take a class. Indulge your interests, and everything else will follow.

I don’t know what liberal Judaism will look like in 50 years, because we are in a time of change. What I do know is that little children are interested in the things that they see their parents doing. They want to do those things too (preferably with you.) And from there, everything else can follow.

My Child Wants a Bar or Bat Mitzvah – Now What?

I’m writing this for the unaffiliated or secular Jewish parent whose child has just announced that he or she wants a bar or bat mitzvah. You were not dreaming of this, or planning for it. Perhaps your own bar mitzvah was a bad memory, or never happened at all.  Perhaps no girl in your family has ever had a bat mitzvah. I’m writing this to suggest some things to think about as you ponder your response.

1. BASIC INFO: For a basic article about modern b’nei mitzvah (that’s the plural) check out Bar and Bat Mitzvah 101 from MyJewishLearning.com. That site is generally a good source of info. They are friendly and respectful of all movements of Judaism (Orthodox, Conservative, Reform, etc.)

2. WHY DOES YOUR KID WANT TO DO THIS? Your first response to your child might be to ask “Why?” The answer may surprise you. It might be that they want a party and presents, but it might also be that they want to explore their heritage.

“A Party and Presents!” – It’s reasonable, then, to say, “You realize there is a lot of work involved?” Typically, preparation for a bar mitzvah involves at least 2 years of study with a teacher.  Most kids are not willing to take on a two year project with a steep learning curve just for a lark.  If after learning what’s involved, they still want to do it, something more is going on, maybe:

“I want to learn more about Judaism.” or “I’m a Jew, I want to be Bar/Bat Mitzvah!” – Your child is asking you for a grounding in a key aspect of their identity. This is an opportunity, not only for them but also for the rest of the family. Learning is not a commitment to particular kinds of observance; it is simply gaining information so that you can make informed choices about observance. If you have always thought Judaism was bunk, or worse, what’s the harm in actually checking it out? If your experience with it was bad, think about exactly WHAT was bad, and then you can avoid those issues (more about that in a moment.)

3. BUT WHAT IF I AM NOT RAISING MY CHILD AS A JEW? If your child is being raised in another religion than Judaism, then Bar or Bat Mitzvah is not appropriate for them. Talk with your child about why you made the choice to raise them as (fill in the blank here). Share your values and your feelings with them honestly. Own your choices. Parents make many choices for children when they are little: religion, medical choices like vaccination, schools, bedtime, where we will live.

4. HOW DO WE EXPLORE THE POSSIBILITIES, IF WE WANT TO MOVE FORWARD? Your first step should be to call some local synagogues. If your child is ten or younger, most synagogues have regular programs that you can enter.  If your child is older than ten, still call the synagogues and talk to them about your options. If there is no local synagogue, then you need to find a rabbi or Jewish teacher to help you. For help locating a rabbi, read Seven Tips for Finding Your Rabbi. If your own experience with Jewish education was miserable, make an appointment to talk with your rabbi or the educator at the synagogue. Share your worst fears with them. Talk to them about how the two of you can partner to make sure this is a good experience for your child. (Keep in mind, though, that “good experience” is not necessarily “effortless” or “easy.” We value the things for which we make an effort.)

5. ISN’T IT EXPENSIVE? I can’t give you an exact figure. You may need to join a synagogue. Lessons of any kind cost money. However, a Bar Mitzvah party does not have to be a Hollywood blow-out. Again, what you are really buying is a learning opportunity for the whole family to explore your roots. You may be pleasantly surprised with what you discover along the way. If money is truly tight, then you should know that many synagogues provide “dues relief” for those who cannot afford a full membership. Membership in the right synagogue can actually be a wonderful deal. For more about why anyone might want to belong to a synagogue, read Why Join a Synagogue?

6. BUT I DON’T KNOW MUCH ABOUT JUDAISM! HOW WILL I KEEP UP WITH MY CHILD? Many people do the bulk of their Jewish learning as adults. When you are looking for a place for your child to learn, ask about the adult learning opportunities there.  Also, if you join a synagogue, you will meet lots of other families who are following their children on the learning curve.  One of our greatest sages, Rabbi Akiva, did not begin learning until he was an adult.  It’s OK to be an adult beginner! (And for more information on topics for adult beginners, you can click on “Especially for Beginners” to the right on your screen.  Teaching adult beginners is the heart of my own rabbinate.)

7. MY SPOUSE IS NOT JEWISH! WILL PEOPLE BE MEAN TO US? – Many American synagogues of all denominations reach out to interfaith couples and are ready and waiting for your family. Be honest about your concerns when you look for the right place for your child to learn. If you don’t like what you hear, call a different place. Your entire family deserves to be treated with respect when you are educating a Jewish child.

Parenting is one surprise after another. One of the life-enriching aspects of parenthood is that our children will lead us into learning experiences we never expected to have. My own sons have led me to learn about electronics, to improve my Spanish, to learn about mental illness, and to learn what it takes to survive as a working musician. Some of those things were fun. Others were hard.  I hope that if you decide to take your child up on this challenge to engage with Jewish life, that Torah enriches your life and that of your family beyond your wildest dreams.