Liam thinks "finders keepers" applies to every dollar in the house. Ria wants a trip to Japan because her classmate went, but gave up saving for it in three weeks. And me? I cope with anxiety by online shopping, then drag my kids to Target to return everything, teaching them exactly the wrong lesson. We're trying the shoebox method, opening investment accounts, figuring out financial literacy together. But how do you teach what you're still learning? How do you model good money habits when yours are a mess? I don't have answers. Just envelopes and hope.