Olivia asked how I taught my kids about money while building Cardiff. Here’s the truth — you can’t teach financial literacy. You have to let them experience it. Most parents give allowances. We don’t. Because an allowance teaches that money is given, not earned. So instead, my wife Eunjin and I run a family payroll. Our kids don’t get paid for being part of the household — they get paid for adding value. ✅ Organize the garage. ✅ Wash the car. ✅ Help with a business project. Each job has a price.
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