Author Adam Ferguson proposes an unconventional contract: before your kid gets a smartphone, they complete 50 real-world experiences—from cooking a family meal and doing laundry to building a fire and planning a road trip. On this episode of Moolala: Money Made Simple with Bruce Sellery, he explains why the list is a “carrot,” not a crackdown, and how it builds resilience, connection, and competence. 

We tackle the spicy items (self-defense, “break a minor law”) and talk age & stage—why Grade 8 is a useful target while recognizing maturity varies. Parents will get practical ideas to replace infinite scroll with meaningful, confidence-building moments.

Find out more at beforethephone.com.