This past Monday I joined a class about finances. It will continue for nine weeks with the expectation that I will change some habits. Already, I have. 

The curriculum is designed by Dave Ramsey and has redirected the way thousands, if not millions, of people handle money. 

What I did surprised me. One of the charts in the workbook showed the impact of saving a couple of hundred dollars a month at an early age.... and then stopping. Letting it sit. I was stunned. Compound interest, I think it was. 

Well it is too late for me to qualify as young but my twins still are. They turned fourteen yesterday. So I decided to offer them a matching plan. They save, and I will double it. My hope for Hope is that she and her sister will start good practices now, that will increase over time. I did not do this with our older kids. I regret that. But the truth is my own financial education was pretty skimpy. Bless them, my parents could scarcely keep us afloat. 

The twins met my suggestion with enthusiasm. Handing me the contents of their wallet we were off. This could be good. 

John and I have been doing marital investments for awhile now. Couples show up for a day, or an hour, or eight evenings and we pump fresh energy into their relationships. Two couples are coming to the conference that are engaged. That makes me want to jump on a table and dance. Then again I am old. Maybe I will stay on the floor and just sway.

I do not know at this early date if compound interest works with people, but my fingers are crossed.