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Raising Financially Fit Kids: Lessons from the Inside of a High-Earning Entrepreneur Family

financial advisor financial energy financial planning financially fit kids Jun 10, 2025

You’ve built the business. 

You’ve created consistent revenue. 

You’ve made smart financial moves. 

But here’s the question no spreadsheet answers: 

Are your kids ready to inherit the world you’re building? 

If you’re anything like the women I work with—high-earning founders running million-dollar online businesses—you’re not just building wealth for yourself. You’re building it for something bigger. 

Your family. Your legacy. Your future. 

In this season of parenting, leadership, and legacy-building, my husband (and business partner) Shawn and I have been thinking a lot about what it really looks like to raise kids who are strong—not just financially, but mentally, physically, and emotionally. 

So we recorded a special Father’s Day episode of The Fit Financial Podcast where we unpacked exactly how we’re raising our three kids to be fit and financially wise. And in this blog, I’m breaking down the biggest takeaways for you—the woman scaling her business and her influence. 

1. Parenting with a Financial Lens (At Every Age) 

We don’t believe in one-size-fits-all money lessons. Each of our three kids—Hunter (19), Hudson (16), and Hinley (8)—are learning differently based on where they are in life: 

  • Hunter (College Athlete): Managing student loans, budgeting independently, and learning delayed gratification 
  • Hudson (High Schooler): Earning from part-time work, saving for what matters, and building financial pride 
  • Hinley (Our Youngest): Beginning with the basics—earning, spending, giving, and talking about money as a tool, not a taboo 

As entrepreneurs, we talk about cash flow, investments, and taxes every day. But bringing our kids into age-appropriate versions of those conversations? That’s where generational wealth actually begins.

2. Financial Discipline Starts with Physical Discipline 

There’s a reason “fit” is in our brand name—and it’s not just about money. 

We believe that fitness and financial stewardship go hand-in-hand. The habits we build around our bodies—consistency, sacrifice, long-term thinking—are the same ones we want our kids to carry into their finances. 

From the way we show up to early morning workouts… 

 To how we talk about saving for the future over spending for the now… 

 We’re modeling discipline—not just preaching it. 

 3Give Them Opportunity—But Don’t Rob Them of Struggle 

We could give them everything. 

 But we’ve learned that kids don’t just need access—they need meaning. 

Whether it’s making them work for their first car, or letting them feel the consequence of poor money choices while they’re still under our roof, we’re committed to letting our kids develop resilience alongside responsibility. 

We’re not raising entitled heirs. 

We’re raising future leaders. 

4. The One Money Mistake We Hope They Never Make 

Avoidance. 

If there’s one behavior we never want our kids to fall into, it’s pretending money doesn’t matter—or being too afraid to face it head-on. 

Too many women (and men) arrive in their 30s or 40s without the tools to talk about money, plan for it, or own it. And our hope is that by normalizing financial conversations early, our kids won’t carry that same discomfort forward. 

5. Your Business Is the Start—Not the End—of Legacy 

You’re not building all of this just to hit a revenue goal. 

You’re doing it to create options—for yourself, your family, and the generations to come. 

And legacy doesn’t start with estate planning. It starts at the dinner table. 

So whether you’re teaching your 5-year-old about spending, or your teenager about taxes, remember this: 

You are the first money model they’ll ever know. 

And that might be your most powerful wealth-building tool yet. 

🎧 Want to Hear the Full Conversation? 

Listen to the podcast episode HERE

We talk through all of this (and more) in an honest, unfiltered way—complete with our own parenting wins, fails, and financial lessons we’re still learning as we go. 

You don’t need to be perfect. You just need to be intentional. 

Because raising kids who are financially strong starts with being the example they can follow. 

 

Fit Wealth is a registered investment adviser under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply a certain level of skill or training. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. Form ADV Part 2A & 2B can be obtained by visiting: https://adviserinfo.sec.gov and search for our firm name.  Neither the information nor any opinion expressed is to be construed as solicitation to buy or sell a security of personalized investment, tax, or legal advice. 

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