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Have you ever felt like giving up? Like throwing in the towel?

The cost to our children and our society is getting too high not to take action NOW. The incidence of drug abuse, alcoholism, teenage suicide, and pregnancy is rising and it will most likely hit closer to home than you want to imagine. It is time for parents, grandparents, and other interested adults to start educating our children todayso they can live a happy and healthy tomorrow.

Have you ever obtained something as a consumer one day and then the next day wondered why you did? Your were the victim of effective impulse purchase advertising and placement. We all were at some point.

Given the current economic roller coaster, does it feel like you are taking two steps backwards for every one step forward? Have you ever felt like quitting? Even though you knew you were on the right track?

Financial literacyis realizing that not all debt is terrible. Divide your debt between good debt and your bad debt. Focus your attention on paying off the worst of your debts first. If you are paying off two cards, say an American Express and VISA cards, find which one of these has the lowest interest and pay off the highest interest card as your first. At a certain point, you will want to switch over to paying the lower interest card when you have the high interest one mostly paid off. Break out the calculator and find out which one of these is costing you the most per week. It will take some number crunching, but the money you save will be well worth it. Always be careful to read the fine print on your credit cards.

The newly announced ThriveTime for teens game grew to great lengths, gaining international exposure this weekend as Sharon Lechter, founder, CEO, and creator of Pay Your Family First, visited the famed Toy Fair 2010 in NYC to show it’s first-of-a-kind financial board game for teenagers. With more than 30,000 attendees and followers, this annual festival served as a perfect way to introduce the new game to buyers, reviewers, and toy professionals from around the globe.

If you are able to be successful you have taken control of your own life by now. You are at the top of your game, but what of your children? Do they just learn what they need to succeed in school? Financial literacy is so vital to teach your children.