It takes a lifetime to build judgment and an afternoon to inherit money. Your thinking never transfers on its own. Start at 5 is the book that closes the gap — so your children and grandchildren know what you would have done.
Research suggests about 70 percent of family wealth is gone by the third generation. Not because of bad markets or estate taxes — because nothing was written down. The families who break that cycle do something different.
One decision, documented at the end of a Family Wealth Meeting. Fifteen minutes of writing. The reasoning outlives the conversation.
Figure 5, from the book. Free in the toolkit below.
Three parts. One framework. For busy families who won't leave this to chance. Cambridge research shows children form their core money habits by age seven; at age five, your child is already reading your intentions.
Why your kids will be ready by 18 when most aren't. Most kids inherit the decisions, not the reasoning that spans all six capitals (only one is financial).
The 45-minute monthly meeting any family can run, and the LEAD framework that keeps it on track. A full curriculum, mapped from age 5 to 18.
How to document decisions so your judgment outlives you, and the activities that build thinking at every age. The record your grandchildren reach for when they need you.
Two printable templates from the book, free. Run your first family meeting with the artifacts. The book explains the thinking behind them.
Your kids will make big money decisions either way. Better they do it with your thinking in front of them.