As a grandparent, you will be aware, that we all have more options today than ever before. About what to pursue in our lives. And for some of you, your children, who are parents, are opting to pursue wealth. For a number of reasons.

There are private school fees to think about. And. Quite naturally. They want their children to have the best of everything. If they can afford it. Which means bigger houses. With all the gadgets. Newer cars. Probably two. At least. Expensive toys + electronic devices for the kids. That enable their kids to keep up with all the other kids.

Add in. Ballet classes. Special tutoring. University fees to think about.

And it becomes a never ending treadmill of work. Work. Work. For your children. To be able to pay for all these things.

Which is what many mums and dads are doing today. Working. Very long hours. Some to the point of exhaustion.

When mum and dad are home. Together. And sometimes they're not. Their time is spent cooking dinner. Organising homework. Doing school lunches.

These are chores.

This is NOT quality time spent 'being in the moment' with their children.

The truth is. As a grandparent. You often spend more quality time with your grandchildren. Than your children spend with their own children. Because so many grandparents, like you, are looking after their grandchildren, while their own children go to work.

Looking back over your own life, when your family was young, you lived a different lifestyle. You had to live within your means because there were no credit cards. Your first home was modest. And if you were anything like my parents, you started out with a lot of “hand me down” furniture. And cookware which was given as gifts. Or passed on from older relatives. You worked very hard for everything you owned.

Your family time was spent around your dinner table on week nights. And in your backyard on weekends.

My conversations with grandparents confirm that many of you are concerned about how frazzled your own children are with their work commitments. And their financial over commitments.

To help out, you've taken on the role of substitute teacher. Life skills aren't taught in school. They're taught in the home. And that's what you and many of today's grandparents are doing. Teaching your grandchildren the life skills you know they'll need, to get on in today's complex world.

You are. Without doubt. The unsung heroes within your family.

Hi I’m Robert Bihar, Finance Analyst and author of Don’t Eat the Marshmallow – the fun and easy way to teach your kids about money. During my career as a finance analyst, I have seen people who could manage multi-million dollar budgets, but could not get themselves out of debt. As these people shared their personal stories with me, I realised that they had formed some bad money habits, which could be tracked back to their childhood.

I have recently piloted an online program called The Pocket Money Parent Program. This program is a 28-day pocket money challenge, where I work with parents, to show them what they need to know, to be able to teach their kids great money habits that last a lifetime.

My next step is to take this program and extend it to you. A grandparent. I believe that grandparents like you are a valuable resource in teaching children about money. Your generation had no credit cards. So you had to live within your means. You had to manage the limited amount of money you had, to provide for your family. You also understand the importance of spending quality time with your grandchildren.

I'd love you to participate in my pilot program for grandparents. It's free. And not only will I learn so much from you that will make it a better program. But you'll learn how you can help your grandchildren become more financially responsible.

If you are interested, please enter your details below and click on the subscribe button to register for the next intake. Check your inbox for an email from me and click on the link to confirm your registration.

I look forward to working with you directly.

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