In this episode of It’s Not About Money, Matt and Charla tackle a growing parenting challenge—how to raise kids who are prepared for adulthood before they leave the house.
From household chores to job interviews, this episode unpacks what it really takes to help teens grow into confident, competent adults.

Too many parents focus solely on academics, unintentionally skipping the everyday life skills that make all the difference in the real world. Charla and Matt call out the danger of protecting kids too much and share how small responsibilities now can build the confidence needed for the future.

With humor (and a few “Montana homestead” confessions), they get honest about how trying to delay adulthood can backfire—and why folding laundry, cooking dinner, and filling out forms are not optional life skills.

1. The Myth of the 18th Birthday Magic Wand
Adulthood doesn’t begin with a cake and candles. Kids need to be building real-world skills before they leave home.

2. The Confidence-Responsibility Connection
Charla explains why confidence grows by doing hard things—consistently and over time.

3. The Language Shift That Changes Everything
Stop saying “Can you help me?” Start saying “It’s your turn.” Words matter.

4. Real-World Exposure Matters
From chores to jobs outside the home, kids need practice being accountable to people who aren’t their parents.

→ Start small: assign one daily task your child is fully responsible for.
→ Shift your mindset: you’re not just running a household—you’re raising an adult.
→ Follow us on social and share how your family is preparing for adulting.

Charla’s blog: https://beyondpersonalfinance.com/our-blog
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