In this episode, Dr. Ken tackles the often tricky topic of finances with teenagers and young adults. From who pays for what to how much control parents should keep as kids become more independent, they unpack what it looks like to guide—not grip—the financial reins.

Dr. Ken and Cynthia dig into everything from financial responsibility in high school to the bigger choices college students face. They talk about how a parent’s own relationship with money inevitably trickles down to their kids, why letting teens make a few bad choices can be healthy, and they even wade into topics like tithing, allowance, and that awkward moment when you realize your fully grown child is still on your family phone plan.

It’s a candid, practical conversation with plenty of laughs and some real talk about equipping teens to make wise financial choices—even when it’s uncomfortable, unexpected, or involves a questionable boat.