This is the first year that the LO will be buying gifts for Mom and Dad at Christmas, chosen 100% by her. I took her shopping over the weekend, with a budget, and she will go with her Dad sometime between now and Christmas to shop for me. It amazes me how good she is with numbers and basic math, so I started teaching her about money as well… and the value on things too. Its funny how she really wants a 10$ piece of junk until I tell her she needs to spend HER money that she is saving on it! So, with a budget of 30$, she made some interesting choices for a total of $26.44. On the way back to the car she asked me how much she had left, because her math is limited to single digits right now, and I rounded up to $4. She asks me what happens since she didn’t spend the whole $30. I explained to her that nothing happens, she stayed under budget and that was good. She thought for a minute and said “so, since I didn’t spend it, I have 4$ now?”. Um, no! I told her you just spent MY money, so y