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Preparing your
children to live on their own means they need to
understand
how to make, manage and multiply their money wisely.
Let me ask you a couple of questions…
Q. Have you ever wondered how to teach your kids about
money so they really get it?
Q. Are you frustrated trying to get them to understand the "value
of a buck"?
Q. Would you like a way to get them to stop asking you for
money all the time while teaching them how to be completely 100% responsible for their own financial matters by the time they are 18 and move out on their own?
Then I have the answer for you! |
"Wow, I loved your book. This simple system can make any kid a financial success (and don't tell anyone, but I learned a lot too!" Dawn H.
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The Ultimate Allowance System turns your kids into financially responsible adults.
It gives you the tools you need to make sure that your kids move out and stay out...except for visits of course!
Hi, my name is Elisabeth Donati and I want to tell you how happy I am that you found this page. Your child's future, and your own, may just depend on it. And here's why...
As a whole, our nation's children are not learning about money. There are a lot of teachers, parents, seminar leaders and others trying to fill in the pieces but no one can teach your kids like YOU can because no one cares like YOU care! And if you're like me, you WANT to make sure your kids grow up and get to live a great life; whatever they want their lives to look like. And great lives usually take a substantial sum of money and income these days. |
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May I tell you why I wrote this book? Thank you.
When I was 38 years old, I realized
I didn't know much about money. It was a vague awareness in
the back of my mind and it just sat there simmering for years
to come. I got re-married to a wonderful man who earned a good living, I had a great time helping people improve their
health as a personal trainer and was making a
difference in people's lives. I felt great and loved what I was doing.
But I didn't understand the money thing...until,
one day when my husband and I had paid off
thousands of dollars of debt and we shared one of those ah-ha moments.
We had a conversation that went like this:
ME, "What do we do with this extra
money now?"
HIM, "I don't know. What do you think we should do with
it?"
ME, "I don't know, you're the man, you're supposed
to know what to do with it?"
HIM, "I don't have a clue (and he was 48 at the time!)"
We both said, "What are we going to do now? Who do we call?"
Well, I called my mom and asked her why she hadn't
taught me about money and you know what she said? In a painful, apologetic voice, "How could I teach you something I
didn't know?"
All of a sudden it made sense. And you know that
saying, when the student is ready the teacher appears? Well,
he did. His name was Robert Kiyosaki and the book was Rich Dad
Poor Dad.
Reading Robert's book was just ONE of the many huge ah-ha
moments I have had since then. That book literally
changed my life; actually it changed how I SAW my life. You see, when I was young, the only thing
I ever experienced in terms of money was watching my mom and
dad argue about it. He would spend too much and she'd get
angry because it forced her to use coupons, buy everything
on sale and learn to love garage sales. Now there's nothing
wrong with these things...
...IF YOU WANT
TO WORRY ABOUT MONEY for the REST OF YOUR LIFE!
If you want your children to grow up financially free,
you have teach them to use their money wisely, invest
it so that it grows and create passive income streams so
they can work because they want to and not because they
have to; and teach them that doing good in the
world is an awesome thing!
I never had a chance to learn these things...until
I turned 40 years old and someone put that book in my hands.
Do you know those times when you hit yourself in the head
and say, "Jeesh, why didn't someone teach me this stuff
when I was young?" I did that so many times I think I put a permanent dent in my forehead. The good thing though was that I never felt stupid; I just realized I was never taught this amazingly powerful information. I learned I had to learn it myself.
For a period of time, I was a little angry. I had been
an A student all through high school and college, getting
on dean's lists here and other lists there, but the fact was,
going to school, getting good grades, going to college and
getting a 'good' secure job (what job is secure?) just didn't
cut it. And the fact is, many of our kids don't
make it to college and another huge group don't even
finish high school! What about them? They need to learn Financial Intelligence now!
So, I turned my anger into action. In 2002, I created my first Money Camp for Kids, a
FUN summer camp that taught kids and teens all the stuff I
never learned when I was that age. The camps are now called Camp
Millionaire to appeal to the kids and teens who attend our programs.
Not long after that, adults started begging me
for programs. So, I created Money Camp for Adults which are now called Creative
Wealth Intensives. We are really excited about teaching women of all ages this life-changing information in our unique and fun Creative Wealth for Women program.
In 2004, after years of getting questions from parents
about allowances, and doing research about
them, I developed a theory that I've
been working on ever since. You have just stumbled upon
the amazing system that resulted from all the research and
theorizing: this book! Congratulations! You have just uncovered one of the most amazing parenting tools ever...read on. |
We have to start preparing our kids, the next generation, to handle money
wisely. But more than this, they need to start learning how to 'think' about money in a whole new way. The economy is changing. Things are getting more and more expensive. Our kids aren't going to be able to get 'good, secure jobs', nor do I really care if they ever do.
Let's teach kids to grow up and be the CEO of their own lives. Let's teach them to start their own businesses, create their own incomes, be in control of how much money they make, decide when they go on vacation and more. Our kids need to know how to look
for opportunities and see them as ways to build their businesses;
they need to learn to 'see' money differently...not as a GREEN substance
to buy piddlycrap but as a tool to reach their dreams!
If you want a program that will help you do this...read
on.
I have just the thing!
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This Ultimate Allowance System will help ensure that your kids will leave home knowing what they need to know and won't ever
ever have to move home again, except for visits, of course!
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Dear Parents and Guardians,
You may be thinking, Ya, right...another allowance program. Like you haven't tried several options already. If you're like a lot of parents I've spoken to over the past 6 years of putting on Money Camps for Kids and Teens (now called Camp Millionaire), you've TRIED different ways, maybe many, to get your kids to learn the value of money and what to do with it. From the stories I've heard, most of those attempts have failed. At the best, they have been only partly effective in teaching kids how to be responsible with money, both theirs and yours.
A couple of years ago I asked the adults in my Money Camp database to send me stories about their allowance experiences. I have put several of these stories in the book for you to read to see what others have tried.
ALLOWANCE STORIES FROM PARENTS
Here's one success story sent to us recently:
Hi, I'm a mother of seven and I homeschool. Our oldest is
in her third year of college. In her last year of school,
I got an idea to help her learn to budget. We figured out
how much all of her needs were for each month - clothes, feminine
articles, hair, hygiene, even entertainment (hanging with
buddies). Once a price was set, that's what she had, when
it was gone there was no more until the next month.
We have 6 more at home. We have made it a practice never
to just give the kids money or just buy something spontaneously
just because they see it. So what I've done is created job
opportunities for them. I have a job board with various jobs
listed, requirements, and time limits as well as pay. If they
are interested, they have to be interviewed. For example:
The storage room was a mess - The job was called "Storage
room organizer" - some organizational skills required,
the job required at least 4 hours of work, paid $10.00 one
time. We even have a librarian now to keep the books in our
classroom in order. This job pays $5.00 a week. The board changes
periodically, but there's always a job for someone. Even the
4 year old.
This has helped tremendously, as they understand when
they are on a job, it has to be done properly or NO PAY!!
Each week the kids are checking the board, especially
if they've seen something that they'd like to buy.
It's a great way to teach them work ethic and financing.
Here's one not quite so successful!
We tried to dole out allowance and it was too difficult
to keep track of the process. My husband thinks that doing
chores is part of living and participating in family life.
The children should not receive a financial reward for daily
tasks.
We tried to tie the allowance to non-chore related things
like finishing homework without complaints, adding bird seed
to the feeders without being asked to do it, getting all the
morning, school related papers/lunches/sports gear in the
car without being nagged...those sorts of things. Then we
had to create a payment schedule that was balanced and appropriate
to the task. This was so difficult. Both kids (girl 11, boy
9) felt that their contributions were more important thus
due more money. Ugh. |
Testimonials |
Noah St. John |
“Using the Ultimate Allowance system will help your kids grow into adults who are not only capable of being wealthy, they’ll actually know how to take that wealth and make a difference with it. Giving them the tools and permission to succeed in life is the most amazing gift you can give them!”
~Noah St. John, author of The Secret Code of Success
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William Prouty |
A Salute to an EXTRAORDINARY LEADER, DEDICATED HUMANITARIAN and a VERY SPECIAL FRIEND.
Elisabeth Donati has been a friend, mentor and blessing to me for almost seven years. Her dedication to the Financial Empowerment and Education of youth and adults always has me speechless and in AWE. For those who know me, being speechless for me is a rare experience. Miss E gives 150% of herself and draws that level of commitment from the hundreds of dedicated advisors, teachers and coaches who use the Creative Wealth and Camp Millionaire Curriculums across the nation and around the globe. The mission of Creative Wealth International is to teach thousands of people to take control of their financial lives and REACH FOR THE STARS!
The Ultimate Allowance will bring new insights for young people who are confronted every day with significant financial challenges but lack the knowledge and SKILLS to meet them. With the help of this insightful book, parents everywhere will be able to help their students gain the tools they need to “grow up happy, healthy, wealthy and wise”. Thanks Elisabeth for another blessing.
~William Prouty, CBC CEC CLU RHU MBA PhD, Director Global Economic & Workforce Development Coalition |
More Testimonials Below |
In the six years I have been creating and delivering financial education programs for kids, teens and adults, I have talked to tons of parents. Every parent asked the same sort of question..."How do I get my son or daughter to understand the value of a buck?" I think what they mean is, how do I convince them that money doesn't grow on trees!
What I noticed along the way was that there was some pretty consistent parenting going on in regard to money. I noticed three things that parents were doing (or not doing as the case may be) that kept them from the results they were searching for, i.e., fiscally responsible children who managed their money and didn't continually beg for more all the time. The three things are here...
The Three Biggest Mistakes Parents Make with Their Kids Financially |
FIRST: They set a poor example. Many don't do it intentionally...they just don't know how to save and invest wisely themselves. Also, anyone notice that our BIGGEST role model does the poorest job of all at setting a terrible financial example for its citizens? |
| SECOND: They don't talk to their kids about money. They keep the family finances — saving, investing, debt, budgeting, etc.— a secret from their children so they have no idea about it. Kids learn about their parents financial situations through what they see, hear and experience in regard to money as they grow up. You MUST talk to your kids about money from an early age. This is the only way we're ever going to break the 'taboo' that money has in most cultures. |
| THIRD: They don't give their kids much of an opportunity to practice with money. It's like your child coming up to you wanting to play softball but you never give him or her a ball, glove or mitt to practice with. Oh, and never giving him or her the rules to the game! |
Imagine Seeing Your Kids and Teens Living Financially Free
I'm serious. What would that look like? How would you feel knowing
your kids are not only taking care of themselves financially but
also making enough money to help others and maybe even support you at some time if you really need it? And don't laugh...I know a ton of adults who are going to need it!
Creating a financially successful adult out of that child of yours is something to be proud of! But most parents need help doing this. I am here to help!
Here's the Deal... |
You know all that money you're spending on your child already? The money for their clothes, shoes, movies, gifts for friends, hair ties, etc.? Well, what if I told you to stop spending money ON your children. Really, stop!
Run the money THROUGH them instead!
It takes between $175,000 and $280,000 to raise a child from 0-17. What if your child had just a portion of that to practice with? Wouldn't he or she get good at it?
It works like this...
If they don't get experience with money now, when are they going to get it? If they leave home to work or go to college and don't have a clue, guess what? They will more than likely end up in some serious financial mess until they turn 35 when someone, if they're lucky, invites them to a financial seminar where all of a sudden they realize they don't have a clue. I want to change this situation and I need your help. |
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The following is a disturbing post I found
on the internet in August 2007. I as looking for statistics on
the growing trend of college suicides due to rising debt. I put
it in the book so that readers could get an idea of how painful
this situation really is for our young adults:
A Disturbing Post from a College Student!
I'm a college student who's being 'pursued'
by credit card debt. I have no income, no assets (I do have
a car, whose value was $500 when I got it 2 years ago) and am
living in my mother's basement - though I will be moving to the
house of a friend in a month.
As of now I only have my college loan money to pay my bills,
and not nearly enough to take care of the credit card bills.
I'm pretty sure I'm judgement proof, but I have no idea how
that will help me when my mother is being harrassed by phone
calls whenever I'm not home.
I've been dealing with it well for the past month since I attempted
suicide in June (on my 21st birthday, of all days) after a
breakdown over money, but I'm starting to get to that point
again. I can't afford a lawyer, my parents are going through
a divorce so they are unable to help, I have no other family
members with income, and I'm taking care of my partner who's
been unable to find work for 2 years.
I live in Michigan, where we currently have the highest unemployment
rate in the country. I had a job for a while, until I was told to work a day through my classes or I would be fired - like
an idiot, I quit. I can't quit school without then adding
my college loan payments into the equation.
I guess my biggest question would be - how the hell do I
get through this without another suicide attempt?
Don't let this be your child!
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I e-mailed this young man to offer suggestions but never heard back.
I still wonder if he's alive.
If you're confused about what to do in your own family, you may be reluctant to try yet
another idea. Can I persuade you?
I can show you a way that works. But here's the thing...you have
to willing to do your part. I'm not saying it's going to be easy.
Raising kids seldom is. There are the trials and the tribulations
and the lessons; but there's the joy and the laughter and the learning
and the celebrating. There's the feeling good part you get to have
when you know you did great job raising your kids!
With The Ultimate Allowance...
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You don't need to spend hours
arguing with your kids about money anymore. |
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You don't need to keep track of what they're doing with
their money. If they run out, they run out. Period. End of story! |
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You do need to practice unconditional support and learning
to be firm when they're learning a lesson they'd rather not
be learning. |
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You will need to learn how to use the system at first.
I promise it will be worth it. |
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You don't even need a single idea of your own. It's
all laid out for you in the book! The hard work is all done! |
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It's going to take a few hours to read and digest this
system but all you have to do is follow the directions in the
book. |
Isn't raising children into adults who are happy, healthy,
wealthy and wise worth the effort? Nothing in life comes without
a little effort and, from my experience, my best work has come from
my best effort. After all, wouldn't it be nice
if kids grew into adults who didn't have to recover from their childhoods?
I think so!
Introducing the Ultimate Allowance
System: a sure-fire way to raise financially free adults.
Your answer to turning your kids into smart little money managing
machines!
The Ultimate Allowance System is a straight-forward system for
preparing your kids to move out and stay out.
There are no charts or graphs or lists or check sheets for you and
your kids to have to fill-in and remember to do. Like
we need more stuff to remember to do these days. (There are some
worksheets to figure it out in the first place, but after that,
it's pretty clean sailing.)
No arguing, no yelling, no victims.
There's only learning the system, setting it place, and
helping your kids along the way.
Sure, you'll have some hiccups but that's part of parenting. Kids
are kids and, as such, they will do their best to throw you curve
balls.
Do just what the book says and you'll be fine. And, if you still need
answers, send me an email and I'll help you personally!
"Give a kid a fish and he'll eat for a day... but teach
a kid to fish and he'll eat for a lifetime."
These are some of the lessons your kids will learn with the Ultimate
Allowance System...
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She'll feel empowered when she learns to be responsible for paying for her own needs and wants. Preparing for when she's older can be very easy if she develops supportive financial habits. |
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He will have money to start thinking about investing. This is one of the major 'missing pieces' in many financial education programs. Children are taught about saving but not about investing in assets that will produce passive income for them. |
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She'll learn that saving to purchase an item she really wants isn't as difficult as it may seem at first if she uses a system, and that it feels great when she does reach her savings goals. |
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He will always have money for continued education. |
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She is less likely to develop the habit of feeling guilty for spending her own money; an emotion many adults have shared in our adult programs. |
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He will understand the joy and importance of giving back and helping others so that when she has a lot more money than she needs each month, she will want to do great things with it because she has experienced this from a young age. |
Bottom line, if your kids are going to cost you money,
you might as well use it to your advantage... let THEM teach themselves
by giving them the OPPORTUNITY to learn firsthand how to make money,
manage money and multiply money.
Let them learn the lessons before they move out;
before it's so painful they can't recover from it; before they mess
up so badly you don't have any choice but to let them move back
in so they can get back on their feet.
Imagine how your child would feel if they had
to do that. Those that do are not proud of the fact that they failed
financially.
Please help me help them so that never happens
to them!
Testimonials |
 Manny Goldman
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"Most schools are not teaching children about money, and that concerns me. The Ultimate Allowance teaches kids how to be with money and make a difference at the same time. A ‘must-read’ for parents who truly want a bright future for their kids."
~Manny Goldman, Author, The Power of Personal Growth
Founder, PersonalGrowth.com |
 Dara Duguay
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"Teaching kids that money doesn’t just appear from the magic money machine (ATM) is a formidable lesson. By teaching children how money works, this invaluable lesson will stay with them for the rest of their lives. The more they learn, the less money mistakes they will make."
~Dara Duguay, Director, Citi Office of Financial Education
Former Director of the Jump$tart Coalition for Personal Financial Literacy |
Kim Deep |
“The Ultimate Allowance is one of the most practical and life changing financial books any parent can read. If you want to learn a simple system that will transform your child’s values around money, this is the # 1 resource for parents!”
– Kim Deep, CMA, author of Conductor Kash
and the Prosperity Express and owner, Kidz Make Cents |
 Clinton Swaine
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"The foundation of success is understanding money management. Finally there is a place for our children to go to learn about managing their money and building a foundation and psychology for wealth. This system can be a major factor in turning our younger generation into smart, financially-savvy business owners to build a solid foundation for future generations."
~Clinton Swaine, Founder - Frontier Trainings |
Curtis
Arnold
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“The Ultimate Allowance is a must read for every parent who wants to see their kids succeed when it comes to money issues. My wife and I have 5 kids and we’ve really struggled with allowances over the years- nothing has ever seemed to really work. This book gives us renewed hope that we will be able to leave an amazing legacy for our kids and for future generations to come, which is really exciting to think about!”
~ Curtis Arnold, Founder, CardRatings.com,
Author of How You can Profit from Credit Cards |
Ben Mack |
“The Ultimate Allowance shows parents how to turn powerful wealth creation skills into fun activities for kids. This book make lifelong money principles easier to grasp for the young mind; a fun way to look at the world is a way that sticks.”
~ Dr. Ben Mack, Best selling author of Think Two Products Ahead |
"Rock Your Kid's Future, Or it Costs You
Nothing"
100% Money-Back Guarantee!
Download The Ultimate Allowance right now and
put the system in place for 6 FULL MONTHS. If you're not seeing
shockingly good results in your children's behavior and choices
around money by then (by your own standards), I don't want your
money, and I'll give you back every penny - with absolutely
no questions asked.
This decision should be the easiest one you ever
have to make. Your child's future may be riding on this decision.
And
here's the best news... aside from buying this book and putting in
a little time to read it and explain it to your kids, using this Allowance System won't cost
you a DIME! Actually, it will probably SAVE you money because you
won't be allowing your kids to nickel and dime you to death! Now
how's that for investment value?
In fact if you act on this NOW... I'll throw
in the following:
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The Ultimate Allowance Package |
Retail Value |
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The Utimate Allowance Book E-book
(immediate download) Author: Elisabeth Donati, founder of Camp Millionaire and Creative Wealth International (formerly The Money Camp) |
$24.95 |
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Two FREE TICKETS to the Millionaire Mind Intensive seminar: the most amazing life-changing event I have ever attended. But there's a catch to this one. Read below*
(click here for more info) Use CODE 196290 |
$2,590.00 |
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The Power of Personal Growth E-book, by Manny Goldman, is filled with key insights and wisdom for living from 56 extraordinary people. He personally interviewed Jack Canfield, Les Brown, T. Harv Eker and more to provide you with extreme value in this short, concise, and fun book. You also receive two tickets to our Virtual Courses starting in September, 2008. |
$2,397.95 |
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FREE copy of my Creative Cash for Kids home program (click here for more info) |
$29.00 |
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Four TICKETS to Play To Win for two adults and two children to come and learn about the psychology of success. Put on by Frontier Trainings. |
$2,490 |
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Monthly FREE teleseminars on all things money |
$50 |
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Weekly Financial Wisdom with a TWI$T E-zine |
Invaluable! |
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TOTAL VALUE (not including financially intelligent kids!) |
$7,581.90 |
*The catch... |
| You have to promise you'll use the book. |
| You have to promise you'll make sure you're setting the best example you know how. |
| You have to promise you'll start talking to your kids about everything money. |
| You have to promise me you'll let your kids in on the financial aspect of your lives so they really understand what it actually takes to live. |
Click Here To Download The Ultimate
Allowance Now!
You're Getting the KEY to your Child's future Financial Freedom
For Pennies...
I'm giving you all the tools, and a complete system you can read
and start using in just a couple of hours from now so do the right
thing…
There's no need to be frustrated anymore when
it comes to trying to get your kids
to understand the value of a
buck. I'm here to help.
To Your Success!
Elisabeth Donati
P.S. Remember, if you buy The Ultimate Allowance Book today, I'll
GIVE you a copy of my Creative Cash for kids download program for
FREE and all the other bonuses.
P.P.S. I am taking 100% of the risk - and you risk nothing! If,
after using this system for 6 full months, your kids aren't learning
about money, just ask me for your money back.
P.P.P.S. Just think how wonderful it will be for your kids to grow
up and be able to take YOU on vacation and support YOU in your old
age. I guarantee you'll wish you'd gotten the financial education
you're about to give them.
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ULTIMATE ALLOWANCE DISCLAIMER... |
EVERY EFFORT HAS BEEN MADE TO ACCURATELY REPRESENT THIS SYSTEM AND ITS POTENTIAL.
THE WORST THING THAT CAN HAPPEN IS THAT YOU SAVE A FEW BUCKS, IRRITATE YOUR KIDS WITH YET ANOTHER WAY TO TEACH THEM HOW TO HANDLE MONEY OR LEARN A FEW THINGS YOURSELF.
THE BEST THING? YOU END UP RAISING A FINANCIALLY RESPONSIBLE ADULT THAT MAKES A HUGE DIFFERENCE IN THE WORLD! |
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