Category Archives for "Money tips for kids"
Here are some arguments why opening a bank account for your kids early on is one of the best things to do:
It's a great way to start teaching your kids how to save, especially for the long-term.
When you open the bank account with your kids, make sure to let them know why the bank is the best place to keep the money. Ask the bank teller to explain to your child what a bank does and why the child’s money is safest there. Most banks have children account packages of some sort that allows children to engage in a playful yet serious way. And whether they receive a savings booklet or an account card, make sure they know this is theirs and that you are the guardian of it for them.
As I mentioned in my older post, use every moment you can to teach your kids about good money habits. Taking them to the bank is a good one.
While money on an account might feel a bit abstract, make a point of taking your child regularly (at least twice a year, better if once a quarter) with you to the bank to deposit money from their piggy bank. Help them count the money and then let them hand over the savings book to the teller. This way it makes the banking experience a bit more tangible. And you can show your child how their savings are growing over time. So whenever you can, take your kids with you to the bank. Especially if it's their account you're going to deal with, make sure the kids are with you.
I know ATM cards are the norm nowadays, but I recommend that for younger kids, you need to use passbooks first.
With a passbook, you can easily see how money goes in and out of the account. Everything is recorded and kids can see how the money adds up every time they make a deposit. Besides, there's no need for an ATM for kids when they're young anyway. They will not need to spend money on big-ticket items, which is very irresponsible.
You can consider giving them an ATM card or a prepaid card when they're older and are more responsible with money. By the time they're old enough to own an ATM card or a prepaid card, they're mature enough to be responsible spenders.
Opening an account for your kids is also a good way to to start taking advantage of the compounding interest in banks, if your savings account still has a positive interest rate - which is admittedly becoming a rarity nowadays, as interest rates are negative in many countries. Nonetheless, If you start putting money on their account from a very young age and don't withdraw from it, imagine how much your kids will have accumulated by the time they’re 18! And if you discuss with your bank how best to invest these savings, you can certainly benefit from long term market developments despite the short term ups and downs..
In fact, especially for long terms savings that you do not need to draw upon in the short term, investing is the best way to achieve a positive compounding effect over the years. Make sure you explain to your child that this is how their money is “working for them” by circulating in the economy, and this is how it generates a return. That will encourages them to continue saving up over the years.
One of the most important pros that I can point our for this is the positive effects on a child's development. Studies on Oklahoma's (United States) Child Development Accounts (CDA) program "shows that creating lifelong savings accounts for children at birth promotes their long-term well-being"
The hypothesis was that CDA and other similar asset holding or building accounts would positively affect a child's well-being and development. The study showed that kids who had money deposited in a special education savings account had better social and emotional scores compared to those who didn't.
You see, this becomes a domino effect for the kids and the expectations we have for them. Opening a savings account increases your confidence and support towards the kids. If you open an education fund for the kids, then it already creates a sense of expectation towards education. With that, parents will tend to encourage their kids to excel or do well in their studies.
I don't see any reason not to start very early with opening a bank account for your kids. It's one of the most important things to tackle, in order to nurture good money habits.
If we want our kids to grow up forward-thinking, financially responsible, and financially literate, then banking is one of the most basic things that we can do for them.
If you want to read more tips and tricks on raising and training kids to be financially responsible, subscribe to our Monthly Money Tips.
The past two articles were about giving our kids allowance or how to give our kids allowance. In this article, I intend to close our allowance series by discussing allowance management -- both for kids and parents! One question that this post aims to answer is: Do I use technology to teach my kids about money?
The ever-growing digital space surrounds us every day, including banking and shopping. And as such, it is also extending to day-to-day financial parenting! In-app stores, we already see parenting-related apps that support maintaining a household and managing kids’ chores.
With this in mind, I'm sure a lot of you are wondering how you can incorporate apps and other digital tools into your parenting routine. Here's my take on it, especially when it comes to dealing with money.
Digital is very abstract.
And what we're seeing is that growing number of monies are transacted over digital channels or online banking. So by definition, they never actually pass through your hands. This means that it is difficult to engage the children in these money moments nor use them as learning opportunities. For kids who still do not have a good grasp of abstract concepts, it may be difficult to appreciate the relevance of a digital money transaction. Kids will not be able to grasp the value of money if they do not experience it.
They need to go through the actual motions of receiving money and giving away money. You can use apps and technology to help kids with their chore assignments and progress. But, while your kids are still young, you have to make money decisions practical and concrete for them.
Online banking and digital currencies are becoming more and more common. With that in mind, you also need to make sure that your kids become more and more aware of money in its different forms
Once you've already established good money habits with paper money and coins, you can begin to teach kids about digital money. With this understanding, you can make careful use of apps that automatically debit money to your/their account.
Maybe the most simple but important rule is that a child should learn to always ask for permission to spend money in an app -- without exceptions. Spending digital money freely should not be a mistake children are allowed to make. While we must trust our kids and let them commit mistakes, it’s better to learn that money is wasted if you buy something of poor quality that you end up throwing - rather than enrage their parents with a huge online spend.
I wanted to dedicate a section to discussing the pros and cons of digital because of two things:
One is because we can no longer shield our children from a reality that is already an integral part of our everyday lives.
Second (in relation to my first point above) is that managing a child’s exposure to digital devices has become a big challenge of parenting. With that, good digital financial parenting becomes imperative. Children need a healthy balance of digital and physical interactions to develop social skills. Which means that they also need a healthy balance of digital and analogue money interactions to develop healthy money attitudes later on in adult life. Parting with money, physically giving it away, is a very different experience than swiping it away. Realizing it is gone for good is an important lesson. And just parting with something digital which you never really held in your hand in the first place, does not impart quite the same sense of accountability.
Sometimes, good old fashioned sayings such as “take care of the pennies and the pounds will take care of themselves” really resonate with me in this digital age. There’s something to be said about physically counting coins.
I understand that taking things digital makes it more convenient for us to look after finances and other matters. But we have to be mindful of the limited cognitive capacity of younger kids' brains.
As parents, it's our responsibility to make sure that the education and training we are giving is age-appropriate. There is no point in educating kids if they cannot understand what we want to teach. We can use technology to teach kids about money but we have to make it appropriate for their age and cognition.
Developmental psychologists have long studied how children's brain works and how it's moulded. Jean Piaget theorised that children's brains aren't simply that of a small adult’s. Human beings go through phases and levels of cognitive development. It's a sequence that a child goes through -- from developing sensory perceptions to motor activities to abstract reasoning and thinking.
At the end of the day, we want to make sure that our kids get the most learning out of everything. However, let's let our children be children. We want them to enjoy their childhood despite the important lessons we try to teach them.
I already talked about how an allowance can be an important tool for raising a child. An allowance is the best way to get started on financial education and decisions.
First, it provides an avenue for your kids to learn money management in a controlled way. Second, it provides an avenue for you to begin discussing money matters with your kids. And third, it provides an avenue for your kids to learn the value of hard work through "extra allowance".
One dilemma that parents face is whether to give your kids a fixed allowance or a chore-by-chore allowance. Some parents want to instil the value of working hard for money at an early age. So what they do is that they put a corresponding amount per chore and then kids will only get an allowance depending on the chores they do.
It can be a clever way to make sure kids do their chores, but it can also be a way to create a bad impression for chores for them. How? If kids realise that all chores have a price tag connected to them, then they will begin to see chores as optional. They can begin to cherry-pick doing which chores they want to do and which ones they don't want to do.
Also, putting a value on every chore makes housework a transactional experience for the kids. This should not be the case. Kids should realise that being part of a family means that they also have to contribute to the household. Financial education will complement kids learning proper household responsibility.
With this in mind, what you can do is this: you can have a fixed allowance and a chore-by-chore allowance.
The fixed allowance is dependent on the expected chores your kids will need to do. These chores can be as simple as: doing their bed, washing the dishes, taking out the trash.
The chore-by-chore allowance is where you can assign a monetary value for selected chores. These chores are that are a bit tedious or something that requires a bit more effort to do. These chores can be: mowing the lawn, giving the dog a bath, doing the laundry and folding the clothes (not just their own clothes!).
We want our kids to learn the value of hard work while still being able to contribute to the household. They will realise that they have the capacity to earn more if they work more. The ability to earn more (albeit in a controlled environment) will allow them to feel more control over their money. This will allow them to take more responsibility for their finances.
They will also have the chance to negotiate their pay for the chore-by-chore allowance.
When you bring up the topic of chore-by-chore allowance to your kids, let them know that the money is open to discussion.
"If you mow the lawn very well and properly tidy and park the mower afterwards, I'll give you $7 instead of $5."
"If you also fold all the laundry neatly after washing, I'll give you $15 instead of just $7!"
Letting them know that they can get more if they go above and beyond what is expected of them. This opens up the opportunity for them to start asking and negotiating. Let them ask and let them haggle. They have to realise that their extra effort deserves more compensation.
We have to let our kids (especially our girls) realise that they cannot cheapen themselves - and to know that domestic chores have value, too. Teaching them to negotiate as early as now will prepare them in the future when they are negotiating for their pay. We need to make sure that we are allowing our kids to develop good and savvy habits as they grow up.
As parents, we often wrestle with the idea of giving money to our children. Two opposing thoughts often come to play when we are dealing with giving children an allowance.
These are both very valid ideas.
We want our children to have their needs met and some of their wants given. But at the same time, we want them to know that money is something that we work hard for and is something that is not given.
In A Smart Way To Start, I always advocate for financial literacy and responsibility, and I believe that one of the best ways to do that is to give your kids an allowance. It might sound counter intuitive, but an allowance will teach your kids a lot about money management.
It's our responsibility to provide our kids with proper financial education -- 91% of parents think so according to a Credit Suisse Pocket Money Study. Giving your kids an allowance will teach them to be responsible with their money. If you give them a reasonable (and age appropriate) amount of money, they will learn more about money and its value through practical experience.
An allowance is a fixed amount of money that we give to children on a regular basis. What they do with it is up to them. They can use it to buy toys or treats or save it for the future.
What's important to remember is this: The more we let kids have the freedom to spend their money, the more ownership they will take and learn to have for their financial actions. They will learn that once they spend their money it is gone forever. It makes them realise that either need to: save up for things that matter or spend only on things they need.
We want them to make sure our kids are properly provided for. But, we also want to make sure that our kids will learn valuable life lessons from what we give. We also want to make sure that they do not develop the thinking that “mommy or daddy will always give me money whenever I need it!”
With that in mind, I have tips that you can use as a guide for this practice:
When your child comes up to you and says that he/she spent all the allowance you gave, do not give them more. You have to let them learn the consequences of their spending decisions. If you continue to give them money even though they did not budget, they will see money as an endless resource.
Let your kids know that how much time will go by until the receive their next allowance. Break that down into bit-size chunks. For example for smaller children it is easier to give them a weekly allowance than a monthly one. Understanding how long a week is and how long you have to wait to get more money after you spent it all, is a very important part of the learning process.
I know it might be hard to give your kids free rein over their money. But you have to understand that they can't learn if their hands are being held the whole time. We have to learn how to trust our kids and let them make mistakes in their own money decisions. Practical experience is one of the best ways they can learn to be mindful and conscientious about their money.
As parents, we want our children to develop positive money behaviours and a responsible mindset as they grow up. What we can do to help is to instill good habits from a young age.
Dear parents, be mindful that an allowance is not just a privilege you give to your kids that empowers them with choices. It is also an important tool to teach them about the responsibility that comes with choice.If you think these tips are helpful, subscribe to our Monthly Money Tips newsletter to get more tips from me!
I hope you had a very happy holiday celebration with your family! As the festivities dwindle down, I want to discuss with you what happens after all the gift-giving. This article is about discussing with your kids how to save money given to them. After all the physical and monetary gifts, another gift we can give is helping our kids develop good money habits, financial confidence, and responsibility.
The best way to impart financial confidence to your child is to show them that you believe in them. When you talk to your children about money, especially their money gifts, make them realise that every decision they make is theirs.
Remember to offer your suggestions and your guidance, but do not force or push your idea in favour of theirs.
Here are some points for you to remember whenever you're talking to your child about what to do with his/her holiday money.
One of the things that should be constant is reminding your kids about saving their money. Talk about financial responsibility but don't be too insistent about it though. Mention it a casual manner while conversing.
Here are some tips on how to open up the conversation and subtly advocate for good money habits:
"I saw that your Aunt Berniece gave you $150 dollars for Christmas. That is so kind of her! Do you already know what you want to do with it? How much do you want to spend and how much do you want to save?
"If you don’t know what you’d like to buy just yet, why don't you put it aside for now? We can go to the bank together to open a savings account for you."
"Have you considered giving a small part of your Christmas money to charity or an animal shelter? We can have a look at them together if you want."
The goal is to inject the ideas in their head, but not order them or tell them that it's something they should be doing. Rather, you suggest to them the good practices that you think they should be doing. You then offer to go with them or help them out if they choose to take your suggestion. After all, the money was a gift to them.
Let your kids buy their toy or chocolates or sweetie if they want to. The money was gifted to them. It's their money and they have full control over how to spend it.
Remember that you are trying to open a discussion with your kids how to save money given to them. Giving them ownership over their money decisions will allow them to make mistakes. As parents, we hate for our kids to make mistakes and suffer from the consequences of their mistakes. But we have to remember that mistakes are the best teachers.
It might hurt to see them be a bit careless or lose some money. But we have to let them stand and walk on their own two feet. When they realise that mum and dad will not pay for their mistakes; they will begin to think twice and begin to be more conscious of their spending.
You have to remember that every time you give your children advice on what to do with their money, it is just advice. This means that they have the option of not accepting your advice and doing something else.
Let them. You have done what you could by making sure that you give them guidance towards good money habits; let them decide what to do with it.
Kids can learn and develop confidence, independence, and a good sense of responsibility. It's up to our role as parents to make sure they develop it by encouraging the right conversations and good habits towards it.
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Happy holidays, fellow parents! This article is something that’s very relevant for the recently concluded holiday season. I'm going to be talking about gifting your children money for the holidays.
Sometimes we’re stuck between:
As an advocate for financial responsibility in kids, giving your kids money for Christmas is a good choice.
I can feel that this decision might raise some eyebrows for some. But let me explain why I think money-gifting is a good idea.
When your kids open their presents, you can begin to talk to them about money. You can talk about saving it for the future or allocating money in different “budgets”. It is also an opportunity to give them light tips about responsible financial ownership
You can also consider gifting your child a piggy bank together with the money. That way, you can nudge them towards putting all (or a part of) the cash into the piggy bank.
When you are gifting your children money for the holidays, you have to remember that the money you are giving them should not be subject to too stringent “savings conditions”. You shouldn’t tell them that they can't spend the money. The money you give them is theirs and they should have the freedom to spend or save it in any way they want to. But you should certainly engage them in a dialogue around what they want to spend on and why it would be sensible to save some.
We want to give them confidence in the choices they make involving their own money. You are using the gift as a tool for opening up responsible spending and saving habits with kids.
I don’t recommend gifting cheques or digital money to younger children. Cheques are very abstract concepts and children cannot understand deep abstract concepts yet. They are still not able to understand that a piece of paper with the amount written on it can equate to real money.
Stick to cash for younger children as it is more concrete. As I mentioned in one blog post, it is important to concretise the concept of money.
I recommend breaking the bigger bills into coins or smaller bills! Because this allows a more tactile experience for them. They can count smaller bills so that they can see how coins or smaller bills can make twenty, fifty, or even a hundred! This imprints to them that even the smallest amount will contribute to wealth-building.
Aside from that, don't be dismissive when they ask you follow up questions as you give them tips on saving. Children are naturally inquisitive and curious beings, so they are bound to ask. Use that to your advantage. Explain the importance of saving but also don't forget to remind them that the money is theirs.
Part of responsible financial parenting is making sure that our kids do not create unrealistic expectations on receiving money. So I would like to remind you to discuss expectations with your kids.
Do not forget to explain to children the concept of gift and that the money given are gifts. You have to let them know that they should not expect to receive such amounts every Christmas or special occasion.
When you give cash gifts that children will personally be handling and counting, make sure that the amount is appropriate for their age. There's no point in handing over something like $1000 dollars to a 7-year-old. They won't be able to understand the immense value of such big money. The things they want won't reach that value anyway. You’d rather gift them a smaller amount they can manage themselves, and transfer the rest directly onto their savings account, for example.
Fellow parents, I hope you and your family have a very wonderful holiday celebration. I hope this quick article helped you decide on whether you'll be giving your child money for the holidays or not.
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As parents, we all want the best for our kids. We want our kids to get the best upbringing, the best education, the best quality of life, and the best financial situation. An important part of raising our kids and giving them a good upbringing is making sure that they grow up to be financially responsible individuals. We are the biggest influence on our children’s development and it’s important that we set good examples and become more transparent about money with our kids. This includes teaching our kids about money.
An annual study created by T. Rowe Price called Parents, Kids and Money Survey last 2017, showed that parents are likely to pass down good and bad financial habits to their kids. This survey sampled 1,014 parents of 8-14-year-olds in the US, which analyzed parents’ attitudes and behaviours that were associated with kids’ financial habits. The survey found that positive money behaviours and expectations among kids are often associated with parents’ decision to let their kids decide how to save and spend their money on their own, as well as parents becoming good financial models. Negative and troubling money behaviours and habits were also frequently seen on kids who have a troubled history with money.
The good and bad habits that our kids learn and develop come from us, so we have to be more aware of how we discuss and treat money in front of our children.
We are the key to our own kids’ financial success. It's important that we figure out how to teach our kids about money and how to slowly inculcate the money habits that will accompany them through adulthood.
We have to start exposing our kids to money and let them participate in small money decisions. That way, they begin to develop a very clear and concrete view of the value of money and how it works.
With the rise of credit card usage and the increasing number of digital and blockchain payments, the notion of currency is becoming more and more abstract. If children are not able to get a grasp of the actual exchange of money and goods, then they will develop the idea that money is endless and easy to come by.
Also, our children do not see us save when all our money interactions are digital. They do not see our salaries being wired to our accounts, and part of that being wired to our savings account. These distant digital-only transactions make it all the more important to create interactions around money at home for children to observe and copy.
Forbes.com created a simple guide on how to slowly introduce your kids to money including how to slowly introduce these concepts in everyday practice and everyday encounters.
The time you start teaching your kids about the concept of delayed gratification. You teach them that whenever they want something that they don’t have the means to purchase for, they will need to wait and save up for it.
You show kids that money is a limited resource. This is when you need them to participate in actions that will allow them to practice transacting with a limited amount of money and making purchase decisions based on the budget you set.
You can begin to teach more abstract concepts like compounding interest. At Smart Way To Start we believe that it is important to explain the notion of interest even earlier - and help children as early on as possible that money in a piggy bank can’t grow. You can only fill a piggy bank but the money inside it does not grow. For that you need a savings account, so your money can be put to work. We think it is very important that children learn this from a young age, because every year counts when you are compounding interests. The earlier you start, the more money you earn.
Introducing early the notion of interest is key, because once children understand it they can also understand why debt can be dangerous. Compound interest on money you owe can make the amount owned increase very rapidly - especially with high interest rates on consumer debt. So when you children are teenagers and might receive their first credit card, It is very important to discuss responsible credit card ownership and finance charges.
At this point, your child would be reaping from the fruits of the financial teachings you’ve been imparting since age 3, and the best you can do is to continue to be open about finances and money with your child.
If you want to learn more about how to slowly introduce your kids to money, I've provided 5 easy tips on this article.
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As a parent myself, I understand that we all want the best for our children and we want them to have a bright future ahead by helping them develop the best habits -- from work ethics to time management to managing money wisely. And indeed, one of the hardest (and most important) things to teach kids is the value of money.
If you're interested to know more about why teaching your kids about money is important, read my article here.
Research by government-back Money Advice Service (MAS) shows that money habits are formed as early as age 7, so if you want them to have good money habits when they grow up, it’s very important that you begin to introduce the right money habits as they go through their important developmental years. The more they know about money and what it is, the easier it will be for you to teach them how to save and spend it wisely.
Oftentimes, we dismiss children the moment we approach or reach decisions involving money (like paying the bill at a restaurant or checking out groceries at a supermarket.) The approach I’ll be sharing with you involves the opposite: introduce your kids to money as early as possible. Get them involved and aware of how money works and what it’s used for at an early age.
To introduce your kids to money, start with something as simple as talking about money to your kids. Use every opportunity you can. It doesn’t have to be something as heavy as telling them how hard it is to work for money or very abstract concepts like interest-earning or banking. It can be something as easy as asking for their help in counting the pennies to pay for small transactions or allowing them to partake in the simple practices of having them hand over the money to a vendor.
Children are very observant and they pick up a lot from just watching you do things. When you’re out buying groceries at the supermarket, use the opportunity to engage with your child as you line up items on the counter. Let them help you as each item gets scanned and let them see you take money out of your wallet. This creates concrete experiences for them around your household’s money habits.
This can be through simple things like letting your child hand over coins or banknotes to the waiter when you pay for a coffee or for food, and letting them receive change.
After having your child receive the change, you sit down, count, and check the change right beside them. That way, they know that every coin counts.
Whenever possible, relate money-making decisions to goals that are motivating or interesting to your child. You can do this by letting your child actively participate in decisions concerning his/her interest. For example, if your child loves pizza, then try to bring them along when you’re buying the ingredients and let them participate in the exchange process (handing the cash, getting the change back, and counting the change.)
Make use of a child’s tactile and kinesthetic learning for this. You can ask your child to count bills and coins as they put it on the piggy bank and then praise them for doing good work in saving money.
The tips I mentioned above make use of concretizing what money is and what it does. At such a young age, there is no point in trying to discuss the finer and abstract points of money to your child. At this point, the goal is simple and very straightforward: you need to introduce and expose money and monetary practices to your children as much as you can. That way, it becomes easier for you to discuss it with them as they grow up since the concept is not completely foreign to them.
Dear parents, if you have more tips on how to introduce money to your kids, don’t hesitate to share your tips with the community! Together, let’s help our kids grow towards a financially sustainable and secure future.
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Christmas is approaching fast and it is the most wonderful time of the year! Maybe your children will be lucky enough to receive a gift of money from relatives and friends. So this is a perfect opportunity to put into practice the learnings from books 2 - A SMART WAY TO SAVE - and from book 3 - A SMART WAY TO SPEND.
When the excitement of Christmas Day is over, have children appreciate the gift they have received by explaining to them the value of this gift:
How many a hours of chores (which chores and at what price per hour? ) would they have had to do, to earn the amount gifted to them? This is a great way to practice mental math (super important skill for future financial confidence!) and engage in a values-based discussion. Appreciating that other people had to work hard for the money gifted is an important part of the learning journey.
How much of this amount will be saved and how much will be spent to fulfill a Christmas wish? Remind your child not to take all their money with them when they go shopping, so they don’t fall into the trap of spending it all in one go! Setting some aside is a wise way to start planning.
What will you chose to spend your money on? Have you made a list ... and checked it twice? Even Santa checks his list twice! The smarter the planning, the less likely any pennies will be wasted on something of poor quality or that will be played with once and then neglected.
What about donating some for a good cause? This is a great opportunity to think of people less fortunate and teach children that sharing is caring. And choose wisely which organizations you donate to. A great starting point can be to introduce your child to the United Nation’s 17 Sustainable Development Goals (SDGs): pick a cause that is close to your heart!
Does “Sustainable Development Goal” sound too complex for your young child?
No worries - we made it kiddy friendly with our “Start Doing Good” poem! It teaches children the SDGs in a simple way - and it’s as easy to memorize as the alphabet!
Enjoy doing good this Christmas!
“A Smart Way To…” is only the beginning!
Financial responsibility and gender pay equality have always been dear to my heart and I’m glad that I’m helping parents slowly open up these conversations with their children 👨👩👧👦
When I realized the huge impact parental guidance has on the financial habits of children, I set out to advocate that part of any responsible parenting is also integrating positive money habits to your children 💵
I want to help parents help their children become financially savvy as they grow up.
I am very happy to learn the impact and effect of my books firsthand – mums and dads alike want to empower their kids. The little girls want to read them over and over again and are actually asking for what their pay will be of the do a specific chore like cleaning the car. It’s amazing to see girls and boys alike become smarter with their time and money.
To those who attended our fourth book release and anniversary at the Birdhaus in Zurich, thank you! It is in your presence that I saw the impact of what I’m trying to do and realised that we all have more to do if we truly want to raise a generation of sustainably-minded and financially responsible children.
I’m glad that I’m seeing this goal and advocacy become a reality through “A Smart Way To..” and all the parents and likeminded people that observed this special occasion with me.
I look forward to celebrating more milestones with you all.