Welcome to the Jill on Money podcast. It's Saturday, August 7th. And we are delighted to have

a guest. Now, this woman comes to us through my friend Sandy Waters, who is a radio host

up in Rochester, New York, also has her own podcast called Seven Figures, Smart Money

Strategies for Women. And Sandy turned me on to Susan Beacham, who is the CEO of an organization

called Money Savvy Generation. And the tagline is helping kids get smart about money. So

many of you ask me about this. And I think it's really great to have somebody who has done

the research to figure out what is the best approach, how to do it, and it will not surprise

you that, of course, starting young is Susan's number one recommendation. So here is the first part

of our interview with Susan Beacham. What is it about your approach that makes it more useful than

other types of programs that exist, whether it's through jumpstart or through other programs? Why,

why is your approach different? We start early. We start in pre-Kindergarten. We start at a place

where most people don't want to because kids in pre-Kindergarten, they're not readers.

Everything you teach them has to be touchable hands-on, has to be full of visual stimulation

because they learn by looking at pictures. And so all the good work that my colleagues do in

the upper grades continues to be done and should be done. But my mission, Money Savvy Generation's

mission was to give them those people who were teaching in the upper grades, to give them seasoned

veterans, to give them kids who had heard about money, money choice setting goals, delayed gratification,

kids who had heard this more than once before they got to high school. You wouldn't expect to

teach kids how to read and how to add and subtract by just teaching them something once, right? So

anything worth teaching in school is worth teaching more than once. And so we were missing

in financial literacy. We've been missing this window of opportunity in pre-K through third or

fourth grade. We weren't talking to kids about that because parents were thinking, oh, they're so

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