Parenting Teens: Advice Redefined for Today's Complex World

• ~138~“Money‑Talk Made Simple: The 3 Financial Epiphanies Every Parent Needs” with Scott Yamamura

  #RuleOf72, #CompoundInterest, #EarlySaving, #CollegeSavings, 📄 Bullet‑Point Show Notes (Takeaways) Why Scott Yamamura does this work – turned personal intimidation about money into confidence; now helps everyday earners simplify finance. Money scripts are powerful – family “under‑cover” messages (e.g., “money is like underwear”) shape kids’ future habits. Financial Epiphany #1 – The Rule of 72 Divide 72 by an average 7.2 % return → 10 years to double money. Use this as a mental ruler for all financial decisions (college, retirement, savings). Financial Epiphany #2 – Your Multiplying Power Your 20‑year “athlete window” (early 20s) is the most potent time to grow wealth. Even small, consistent contributions compound dramatically over a career. Financial Epiphany #3 – Power‑Halving Curve Multiplying ability halves every decade (16 → 8 → 4 → 2 → 1). Creates urgency: act now before the curve drops. The “Day of Reckoning” – Mid‑life financial pressure (retirement, caring for aging parents) hits when you haven’t saved enough; the three rules help avoid this crisis. Start teaching teens early Open a custodial account (Charles Schwab, Fidelity, Vanguard). Let kids pick 1‑3 stocks they know (Amazon, Netflix, Disney, etc.) and watch real‑world results. Use a spend‑save‑give jar (e.g., 10 % give, 20 % save, 70 % spend) to build habits. You don’t need a big bankroll – $50‑$100 can launch a lifelong investing habit; start with a low‑cost S&P 500 index fund (Warren Buffett’s favorite). Investing isn’t gambling – It’s a vote of confidence in the economy and innovation; it multiplies who you already are. Free resources from Scott FinancialEpiphany.com – podcast, blog, free “Money Basics” PDF (debt‑free, first investment, retirement calculator). Scott Yamamura is a financial coach and the author of Financial Epiphany, with 25 years of experience studying the art of communication. In his full-time role managing the video communications of a Fortune 15 company, he simplifies complex ideas for more than 300,000 employees worldwide—an approach he now brings to the world of personal finance. Scott is passionate about cutting through the noise, providing everyday earners the clarity and confidence to unlock their “multiplying power with money” through three breakthrough rules of thumb. financialepiphany.com https://www.amazon.com/Financial-Epiphany-Discover-Multiply-Reimagine/dp/B0DN8WQDPC/ref=sr_1_1?crid=WWUXFWQ60MSD&dib=eyJ2IjoiMSJ9.91Y_a7va4WqCQ_GDMGJCnW1sNuHZ4b6-XcMNr2Vzb8fGjHj071QN20LucGBJIEps.86OW4acS2bqQNQWBL7scqjxj_ftAc_Z8FoPxEZu8zhU&dib_tag=se&keywords=financial+epiphany+scott+yamamura&qid=1764385021&sprefix=%2Caps%2C143&sr=8-1 Connect with Cheryl! The Good Divorce Show Episode https://open.spotify.com/episode/2hIILoayZV2oQu5zEzJdcP?si=wl8O0S9YSCCwkUSJQAYcrQ Let’s Chat https://tidycal.com/cherylpankhurst/consultation-chat Sleep support DIRECT LINK TO COACHING WITH CHERYL email : [email protected] Website cherylpankhurst.com SOCIALS: linkedin.com/in/l. R.cheryl-ann-pankhurst-1b611855 https://www.instagram.com/cheryl.a.pankhurst/ https://www.facebook.com/cheryl.a.pankhurst PODCAST- “PARENTING TEENS ADVICE REDEFINED FOR TODAY’S WORLD THE PODCAST https://open.spotify.com/show/4QwFMJMDDSEXJb451pCHO9?si=9c1a298387c84e13 https://youtube.com/playlist?list=PLYv9FQy1X43wwoYg0zF8zAJw6-nCpHMAk&si=7p-e4UlU2rsG3j_t Optin-podcast subscriber https://www.cherylpankhurst.com/teen-minds-redefined-podcast Join our Podcast Private Facebook Group! https://www.facebook.com/groups/httpswww.facebook.comgroups1258426648646523 What’s it like to work with me! MINI-COURSE

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• ~137~ WTF "“From Panic to Plan: Responding to the End‑of‑Semester Email”

  Free Parent Advocacy Call – 30‑minute clarity session (no sales pitch). 👉 Book your spot: https://tidycal.com/cherylpankhurst/consultation-chat Key Takeaways – “Welcome to Friday (WTF) – End‑of‑Semester Panic Episode” It’s not a discipline or laziness issue – the root cause is executive‑functioning, communication overload, and overwhelm, especially for neuro‑divergent or highly‑sensitive teens. Accommodations are a right, not a favor – teens may refuse them to avoid stigma or because they fear looking “different”; the need for support is mandatory, not optional. Shift from “advocating for your teen” to “advocating with your teen.” CC them on emails, seat them at parent‑teacher meetings, and teach them to ask for what they need. Regulate yourself first – never reply to a panic‑inducing email within the first 10 minutes; pause, breathe, and reset your nervous system before engaging. Start the conversation with open‑ended questions. Ask “What’s been happening from your side?” rather than a simple yes/no; this keeps the dialogue alive and prevents shut‑downs. Create a structured communication plan with the school. Weekly check‑ins, pre‑test alerts, clear expectations for response times. Re‑activate accommodations together. Review the IEP/504 plan with your teen, discuss why each accommodation is needed, and practice self‑advocacy. Diagnose the specific breakdown – ask: Is the problem starting the task, staying on task, organizing, or understanding the material? Tailor solutions (e.g., break tasks into steps, provide reminders, offer extra time). The parent’s role is a lighthouse, not a lawyer. Provide structure, keep all voices heard, and avoid “fire‑fighting” with angry emails or calls. Free 30‑minute Parent Advocacy Clarity Call is offered to pinpoint the exact breakdown and give a concrete next step—no sales pitch, just actionable support. Connect with Cheryl! The Good Divorce Show Episode https://open.spotify.com/episode/2hIILoayZV2oQu5zEzJdcP?si=wl8O0S9YSCCwkUSJQAYcrQ Let’s Chat https://tidycal.com/cherylpankhurst/consultation-chat Sleep support DIRECT LINK TO COACHING WITH CHERYL email : [email protected] Website cherylpankhurst.com SOCIALS: linkedin.com/in/l. R.cheryl-ann-pankhurst-1b611855 https://www.instagram.com/cheryl.a.pankhurst/ https://www.facebook.com/cheryl.a.pankhurst PODCAST- “PARENTING TEENS ADVICE REDEFINED FOR TODAY’S WORLD THE PODCAST https://open.spotify.com/show/4QwFMJMDDSEXJb451pCHO9?si=9c1a298387c84e13 https://youtube.com/playlist?list=PLYv9FQy1X43wwoYg0zF8zAJw6-nCpHMAk&si=7p-e4UlU2rsG3j_t Optin-podcast subscriber https://www.cherylpankhurst.com/teen-minds-redefined-podcast Join our Podcast Private Facebook Group! https://www.facebook.com/groups/httpswww.facebook.comgroups1258426648646523 What’s it like to work with me! MINI-COURSE

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• ~136~“College Transition Hacks for Parents of Neurodivergent Teens: Advocacy & Accommodation Tips” Dr Tara Williams

  @learningwithde.tara, www.innovativecollegiateconsultants.com Key Takeaways from the Podcast Episode Neurodivergence is a Super‑Power: Different brain wiring isn’t a deficit; it offers unique strengths that can be leveraged when the right supports are in place. The K‑12 → College Transition Is a Critical Gap: Structured school routines disappear in post‑secondary life; students need executive‑function coaching, accommodation management, and real‑world skill development to thrive. Adaptability Is the Most Valuable Skill: Being able to adjust to new roommates, schedules, and group‑work dynamics is essential for success in college and beyond. Give Teens Choices Early: Regularly offering options (study location, sleep schedule, class selection) builds decision‑making muscles and reduces overwhelm later. Teach “Want vs. Need” Language: Re‑frame requests as “what I need to be successful.” It clarifies accommodations and empowers self‑advocacy. Stop Speaking for Your Child: Let teens handle communications with professors, accessibility offices, employers, and health providers. Natural consequences teach responsibility. Practice Self‑Advocacy Skills: Draft emails requesting accommodations. Role‑play conversations with mentors or coaches. Use the “Ask, Explain, Request” formula (e.g., “I need to sit front‑row to follow the lecture”). Universal Design Benefits Everyone: Simple strategies like writing deadlines on a board, providing visual schedules, and minimizing distractions work for neurotypical and neurodivergent learners alike. Body‑Doubling & Study Partnerships Boost Focus: Working alongside a parent, peer, or study group dramatically improves concentration for many neurodivergent students. Manage Digital Distractions: Turn off notifications, place phones in another room, and use timed work intervals (e.g., Pomodoro) to maintain focus. Practical Organization Hacks: Use a physical alarm clock separate from a smartphone. Prepare snacks in advance for tight class‑to‑class gaps. Keep a visual “to‑do” board for assignments and appointments. Leverage Campus Resources: The Accessibility Office is the go‑to ally for accommodation paperwork, advocacy help, and navigating faculty communication. Parental Role Shifts to Coaching, Not Controlling: From high school onward, parents should act as mentors who model decision‑making and problem‑solving rather than solving problems for their teen. Upcoming Resource: Dr. Tara Williams’s book (release May) will detail neurodivergent journeys and practical strategies; more info and free consultations are available at innovativecollegiateconsultants.com.

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• ~135~WTF "This is 61"

  1. Celebrating Turning 61 Personal reflection on age – “I’m 61,” disbelief and acceptance. Shift from “lonely” to “alone, not lonely” – embracing solo moments. Birthday rituals – dinner for one, old‑fashioned cocktail, writing a poem. Family presence – spending much of the day with her mother’s procedure and caring for her. 2. Mind‑set Shifts & Reframing Reframing frustration Seeing irritation as a learning cue. “If I don’t learn, the lesson will return.” Embracing the “dark” Accepting resistance, anger, disappointment as teachers. Alternative to aging Dad’s mantra: “What’s the alternative?” → Choosing to own 61 instead of fearing another option. 3. Life After Retirement Freedom & Energy Better health, more stamina, thriving mission‑driven life. New professional ventures Podcast hosting, consulting, advocacy, co‑authoring a book. Time management No longer feeling “scattered”; having the time to pursue passions. 4. The Podcast Journey Purpose & Joy Connecting with global listeners, cultivating friendships. Format & Content Solo episodes, mid‑week interviews, sharing personal growth stories. Audience Takeaway Encouraging listeners to reframe, celebrate, and pursue self‑designated happiness. 5. Self‑Discovery & Self‑Love Enjoying One’s Own Company Solo movies, dinner, no compromise on choices. Body & Confidence No longer worrying about thighs or food choices; embracing a minimalist confidence. Shedding Unnecessary “Masks” Letting go of habits/identities that never truly defined her. 6. Burning Down & Rebuilding Metaphor of “burning everything down” Drastic reset: clearing outwhat no longer serves. Preserving valuable remnants Retaining wisdom, experience, and useful “remnants” from the past. Application to Relationships & Situations Identifying misaligned people, values, or commitments; deciding to “burn” them away. 7. Values, Alignment & Relationships Core Values Identification Spirituality, family, faith, etc., as non‑negotiable anchors. Evaluating Compatibility Spotting misaligned partners, friends, or family members early. Actions Over Words “Show me, not just tell me”; believing first impressions (Oprah/Maya reference). 8. Gratitude & Minimalism Gratitude Practice Focusing on what she has, celebrating daily moments. Minimalist Attitude Reducing excess, keeping only what truly adds value. Joy Through Simplicity Finding more happiness in fewer, intentional possessions and experiences. 9. Advice for Others Approaching Milestones Perspective on Future Birthdays Embrace excitement, design the day exactly as you want. Use of Dad’s Question Re‑ask “What’s the alternative?” to dismantle fear of aging. Gift of Self‑Designed Celebration The birthday is a personal gift from self to self. 10. Closing & Call‑to‑Action Final Blessing “Have a beautiful Friday…WTF.” Invitation to Return Promise of next episode, gratitude for listening. Connect with Cheryl! The Good Divorce Show Episode https://open.spotify.com/episode/2hIILoayZV2oQu5zEzJdcP?si=wl8O0S9YSCCwkUSJQAYcrQ Let’s Chat https://tidycal.com/cherylpankhurst/consultation-chat Sleep support DIRECT LINK TO COACHING WITH CHERYL email : [email protected] Website cherylpankhurst.com SOCIALS: linkedin.com/in/l. R.cheryl-ann-pankhurst-1b611855 https://www.instagram.com/cheryl.a.pankhurst/ https://www.facebook.com/cheryl.a.pankhurst PODCAST- “PARENTING TEENS ADVICE REDEFINED FOR TODAY’S WORLD THE PODCAST https://open.spotify.com/show/4QwFMJMDDSEXJb451pCHO9?si=9c1a298387c84e13 https://youtube.com/playlist?list=PLYv9FQy1X43wwoYg0zF8zAJw6-nCpHMAk&si=7p-e4UlU2rsG3j_t Optin-podcast subscriber https://www.cherylpankhurst.com/teen-minds-redefined-podcast Join our Podcast Private Facebook Group! https://www.facebook.com/groups/httpswww.facebook.comgroups1258426648646523 What’s it like to work with me! MINI-COURSE

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• ~134~ "Protecting Teens Online: Practical Privacy Hacks for Parents" with Chris Parker

  Find Chris Parker here; http://cgparker.com http://easyprey.com http://privacycrisis.com 📌 Topic 🧩 Core Insight 🔧 Quick Action The biggest unseen privacy risk Teens think the curated feeds they see are “real life.” This fuels unrealistic self‑image and makes them vulnerable to emotional manipulation. Do a “Reality‑Check” session—show the behind‑the‑scenes of a polished post (lights, retakes, filters). When to talk about privacy Start the conversation before the crisis, not after. Kids are exposed to sophisticated scams at younger ages than we think. Schedule a monthly “Digital‑Safety Check‑In” (15 min) with your teen. Age and device guidelines Ideal: 21 y/o for full autonomy, but realistic milestones: • Grade 9 – texting only • Age 16 – limited social‑media with parental controls Set up built‑in parental controls, enable two‑factor authentication (2FA) on every account. Neuro‑divergent teens Literal thinking can be a super‑power, but scammers will exploit that straightforwardness. Teach a simple “Ask‑Why” script: “Who are they? Why do they want this? What’s the outcome?” Digital footprint & data mining Every search, click, and ad view feeds a profile that predicts behavior (e.g., Target’s pregnancy model). Use incognito/Brave for casual browsing, and clear cookies regularly. Credit‑freeze for kids A child’s SSN can be used to open accounts that sit dormant for years. Freeze your child’s credit now—unfreeze only when they need a legitimate account. Protect the email—“the key to the kingdom” A compromised email = full‑house takeover (bank, socials, password resets). Use a dedicated, high‑security email for all family accounts; enable 2FA + a password manager. Screen‑time & doom‑scrolling It’s not about “how many minutes” but about intentional use. Set a timer, then log the purpose (e.g., “Check basketball scores”). If you can’t name a purpose, close the app. Connect with Cheryl! The Cleansing Within Program https://www.practicewithpresence.com/cleansing-within/?sa=sa0019992619598254bda4daae3980777062778b19 The Good Divorce Show Episode https://open.spotify.com/episode/2hIILoayZV2oQu5zEzJdcP?si=wl8O0S9YSCCwkUSJQAYcrQ Let’s Chat https://tidycal.com/cherylpankhurst/consultation-chat Sleep support DIRECT LINK TO COACHING WITH CHERYL email : [email protected] Website cherylpankhurst.com SOCIALS: linkedin.com/in/l. R.cheryl-ann-pankhurst-1b611855 https://www.instagram.com/cheryl.a.pankhurst/ https://www.facebook.com/cheryl.a.pankhurst PODCAST- “PARENTING TEENS ADVICE REDEFINED FOR TODAY’S WORLD THE PODCAST https://open.spotify.com/show/4QwFMJMDDSEXJb451pCHO9?si=9c1a298387c84e13 https://youtube.com/playlist?list=PLYv9FQy1X43wwoYg0zF8zAJw6-nCpHMAk&si=7p-e4UlU2rsG3j_t Optin-podcast subscriber https://www.cherylpankhurst.com/teen-minds-redefined-podcast Join our Podcast Private Facebook Group! https://www.facebook.com/groups/httpswww.facebook.comgroups1258426648646523 What’s it like to work with me! MINI-COURSE

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Su Parenting Teens: Advice Redefined for Today's Complex World