text:  okay so michelle i feel like i'm channeling you in this answer and i think you're gonna like it but this is a popular one in my household so we plan a family goal and then we talk openly about what we need to do to make it happen and it's fun it's the easy way to talk about money so for example this year we talked about how um all the kids want to go to and and take a beach vacation they want to go see tropical penguins which we know is a thing