Tired of Winging It When It Comes to Your Kids and Money?
Give Your Kids the One Skill That Will Shape Every Part of Their Future: Money Confidence
The Step-by-Step Program That Shows You Exactly How to Raise Money-Confident Kids
(Ages 3–13) — Even If You're Still Figuring It Out Yourself.
Look, your kids are watching how you handle money every single day. And deep down, you're probably thinking:
"What if they end up making the same mistakes I did?"
You don't need to be a financial expert to teach your kids about money.
You just need a system that works.
The Cash Smart For Life Program gives you the exact conversations, tools, and confidence to raise kids who actually get money, not just how to spend it, but how to think about it wisely so you can…
✅ Stop Worrying About Their Financial Future
- Your kids learn to think before they spend, save with purpose, and make wise choices, so you can sleep peacefully knowing they'll be okay.
✅ Finally Feel Confident in Money Conversations
- No more stumbling through awkward money talks. We give you the exact words and tools to guide every conversation with confidence.
✅ Create a Family Culture That Actually Works
- Build money habits that reflect your values and strengthen your family without turning every shopping trip into a battle.
✅ Make Money Learning Fun (Yes, Really)
- Your kids will actually ask for the next money lesson. Our hands-on tools make learning about money feel like a game they want to play.
✅ Get a System That Works for Real Life
- Created by a mom and daughter who lived this from age 4 to 25. No theory, just practical tools that work when life gets messy.
Here's What's Really Happening (And Why You're Feeling the Pressure)
Your gut feeling about money and kids? It's spot on. And you're not alone.
The numbers tell the whole story:
- 3 out of 4 parents are genuinely worried their kids won't be able to handle money as adults [1]
- Most parents admit they have no clue how to teach their kids about money [2]
- 73% of high school students say they're graduating without basic money skills [3]
- 6 out of 10 retirees are still bailing out their adult children financially [4]
- Nearly half of us are losing sleep over money stress [5]
- 1 in 3 families run out of money before the month ends [6]
Over the past few years, food prices have climbed as much as 10% in a single year — and housing has shot up 34% since the pandemic. Meanwhile, wages haven’t kept pace. In short, life’s costs have tripled, but incomes haven’t — putting families under unprecedented pressure. [7]
Look, this isn't your fault.
Nobody taught you this stuff either. Most of us learned about money through stress, mistakes, and hoping for the best.
But here's your chance to break the cycle.
That's exactly why we created CashSmartForLife. It's the system we all wish we had growing up and it's designed for parents who are ready to give their kids what they never had.
You Already Know You're the Answer
That voice in your head saying "my kids deserve better"?
Listen to it.
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Maybe you've felt the stress of money being tight. Maybe you've watched someone you love make mistakes that could have been avoided. Maybe you're just tired of hoping someone else will teach your kids what you never learned. |
You're here because something inside you says…
…"This stops with me."
You don't need to become a financial expert first. You just need a system that works and the courage to start.
That's where CashSmartForLife comes in.
This is your roadmap to becoming the money mentor your kids actually need.
Created by a real mom and daughter who lived this journey from age 4 to 26 — not by some expert who's never had a kid meltdown over a toy they "absolutely need."
You Wouldn't Wait Until They're 16 to Teach Them to Brush Their Teeth 🪥
So why are we waiting until they're adults to teach them about money?
Think about it…
You started teaching them to brush their teeth when they were tiny. You didn't wait until they had cavities to explain why dental hygiene matters.
You taught them to look both ways before crossing the street. You didn't wait until they were driving to talk about safety.
You don’t wait until your child is 18 to teach them how to swim. you start them early so they don’t drown.
And if you want them to speak a second language fluently, you start young when their brain is most receptive to learning
Money is Exactly the Same.
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Start now, and managing money becomes as natural as tying their shoes. Wait too long, and they're learning through credit card debt, overdraft fees, and calling home for bailouts. Their brains are literally wired to absorb this stuff right now. They're asking questions, watching everything you do, and actually want to learn from you. In five years…? They'll be asking their friends (who have different values, goals, and experiences) for advice instead… …are you willing to roll that dice?...
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Cash Smart For Life gives you the exact system to make money conversations as normal as bedtime stories…
…before the world gets complicated and bad habits take root.
You're Already Teaching Them About Money
(Whether You Realize It or Not)
Every time you check prices at the store, they're watching.
When you say "we can't afford that," they're listening.
When you stress about bills, they feel it.
The question isn't whether you're qualified to teach them. It's whether you're doing it intentionally.
No teacher knows that your family values generosity over accumulation.
No curriculum understands that you want your kids to see money as a tool, not a goal.
And most schools? They barely teach money management at all.
But you…?
You know exactly who your kids are. You know what motivates them, what clicks for them, and what values you want them to carry into their adult life.
You get to use real moments — grocery shopping, birthday money, that time they really wanted something at the store — to teach lessons that actually stick.
You're not just teaching them about money……you're showing them how your family does money.
With your heart, your values, and your wisdom guiding every conversation.
That's something no institution can touch. And it's exactly what your kids need.
What If Teaching Your Kids About Money Actually Made
Your Whole Family Stronger?
Picture this:
- Your kids start making smart money choices without you being the "fun police" every shopping trip
- Every day moments — grocery runs, family trips, saving for something special — become natural teaching opportunities
- Your family works toward goals together instead of money being this stressful and shameful, off-limits topic.
You're not just raising money-smart kids. You're creating a family culture where financial confidence is normal and money conversations happen naturally.
INTRODUCING...
The CashSmartForLife Program
The step-by-step system that shows you exactly how to raise financially confident kids (ages 3-13) — even if you're still figuring it out yourself.
Created by a real mother-daughter duo who lived this journey from age 4 to 26, this isn't theory from a textbook. It's your roadmap to becoming the money mentor your kids actually need.
Here's Everything You Get:
✅ The Complete Step-by-Step System
- A Simple cash flow management system that teaches your children how to use money as a tool to accomplish what they want in life — no complicated spreadsheets or overwhelming theory.
✅ Real Conversations from Real Life
- Get the actual words and scenarios from a mom and daughter who lived this journey, not theory from someone who's never done it.
✅ Your Support Network
- Connect with other parents who are also taking charge of their kids' financial future.
Plus, These Incredible Bonuses:
🎁 Live Q&A Sessions with the Creators Get your real questions answered by the mom-daughter team who created the system. ($9,999 Value)
🎁 Private Parent Community 24/7 support from parents walking the same path — share wins, get advice, stay motivated. ($1,499 Value)
🎁 Family Banking Assessment Start creating generational wealth that stays in your family. ($2,999 Value)
🎁 Cash Flow Optimization Sessions Fix your own money habits while you're teaching theirs. ($4,999 Value)
Imagine This…
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This is what's possible with the CashSmartForLife Program.
Here’s Everything You Get:
✅ The Complete 8-Modules CSFL Program
($9,999 Value)
A step-by-step roadmap to help you lead your children (ages 3–13) toward lifelong financial confidence using real-life tools, family systems, and practical conversations.
💥 Plus, These 4 Game-Changing Bonuses:
🎁 BONUS #1: Live Expert Q&A Sessions
($9,999 Value)
Get personal access to expert guidance so you're never left wondering what to do next.
✔ Personalized answers to your family’s financial challenges
✔ Confidence to lead, even in uncertain times
✔ Proven strategies you can apply right away
✔ Insights to avoid costly mistakes and stay on track
✔ Support from like-minded parents who are in it with you
🎁 BONUS #2: Exclusive CSFL Community Access
($1,499 Value)
Never go it alone again. Inside our private online space, you'll find:
✔ Other caring parents and guardians walking the same path
✔ Support, accountability, and shared wins
✔ Inspiration to keep going — even when life gets busy
✔ Creative coaching ideas from families already using CSFL
🎁 BONUS #3: Family Banking Assessment
($2,999 Value)
This isn’t just a worksheet — it’s a gateway to building wealth that stays in the family.
✔ Full assessment to help you begin your family banking journey
✔ Learn how to keep more money in the family
✔ Set up a structure to support wealth for generations to come
🎁 BONUS #4: Parent Cash Flow Optimization Sessions
($4,999 Value)
Access 12 pre-recorded, 60-minute work sessions to elevate your own finances.
✔ Clean up your money habits and get organized
✔ Learn foundational principles for better cash flow
✔ Create a system that supports your family — today and long-term
Total Program Value: Over $30,000
Regular Price: $2,499
Today’s Price: Only $1,499 (60% OFF)
Testimonials ♥︎
"there is no excuse"
Ken & Joan McLoed
"This is an investment in your children and grandchildren's life - there is no excuse - TAKE THE TIME to do this"
"I was eager to put this system into practice."
Reid & Lacy Rowan
"I thoroughly enjoyed being apart of this community, where we share a common goal of achieving financial prosperity and abundance. I must say, great job, Lau gals! The Learning experience has been enlightening, and i was eager to put this system into practice. "
"feels so good being able to imagine that our kids will be financially capable."
Randy
"Because of the CSFL Program our children have been able to learn at a very young age the importance of giving. The CSFL program has added value to our lives in so many ways. It feels so good being able to imagine that our kids will be financially capable. I recommend it to everyone!"
"we realized that this program was working"
Jeannie
"The Program offered real solutions, formulas that are easy to apply, and it's practical. When our kids stopped asking us for money at the store, we realized that this program was working. Our kids are genuinely taking care of their own physical things better and are realizing if they just want something in the moment or if they truly want something they will wait will plan for it. I find it rather funny (kinda) that my kids have more cash on hand then we do now."
"the ability to spend their own money at such a young age has been very rewarding"
Jeff Taylor
"So many important concepts were covered to help set our children up to learn, understand and use money to provide for themselves and their future needs and desires. I highly recommend for anyone with kids of any age that has ever wanted more from the money they have. The program has been very beneficial to understand, our own relationship with money and how it effects us and our children. The excitement and independence they exhibit with the ability to spend their own money at such a young age has been very rewarding. It is a process though and is something that takes accountability, on us as parents, as well as teaching that to our kids. "
"the CSFL Program I have found it to be simple and easy to lead my kids to be smart with their money"
Celina & Mike
"Growing up with my parents, we had some guidance on handling money but the CSFL Program I have found it to be simple and easy to lead my kids to be smart with their money. This Program is holistic and has considered more details that i would have never thought of to address with my own kids. It's just so nice not to have my kids tug on me for everything to buy and now to watch them become more thoughtful, conscientious, and critical about what they spend their money on"
"I’m incredibly awestruck in how easily it was to implement these teachings/practices"
Jacqueline
"Winnie and Emaghea have developed a truly remarkable pedagogic approach that simultaneously teaches both parents and children how to be “Cash Smart for Life”
"I'm a homeschool facilitator and I recommend the CashSmartForLife program"
Nicolette Groeneveld
"The CashSmartForLife program teaches very practical systems parents can put into place with their children. It is user-friendly for children of all ages and gives them an excellent financial foundation for life. This program was not around when my daughter was young, but I did something similar with her and she is a very financially responsible adult now. I'm a homeschool facilitator and I recommend the Cash Smart for Life program to all the families I have that are looking to teach their children financial management skills."
"I’m so glad I said yes to this journey."
Cassandra and Robert L. Kids Ages (5&2)
"Now that I’ve completed the CSFL Program, I can honestly say it’s been a very empowering experience—for both my children and myself. I walked away with real tools I could use right away: spreadsheets, calendars, templates, and hands-on worksheets that made teaching money basics feel natural and fun.
One of the biggest takeaways for me was learning how to approach money etiquette and conscious spending—it’s such an important life skill. I loved how the program built momentum as we went, layering in everything from setting children up with their own finances, family cash flow meetings & communication, and then finished with a long-term strategy to build wealth that actually stays in the family.
The way Winnie and Emaghea introduced new money tools got me thinking in ways I never had before. Being able to see comparison charts and learning to assess hidden costs will change how I approach financial decisions for our whole family.
This program helped me to pause, reflect, and begin to set goals for our family’s finances. It gave me a framework to assess and choose the right tools to support those goals—and pass on that clarity to my children. I’m so glad I said yes to this journey.”
After You Complete the Cash Smart For Life Program, Here's What Changes:
✅ You Finally Feel Like You Know What You're Doing
- No more stumbling through money conversations or second-guessing yourself. You'll have the exact words, tools and system to guide every situation with confidence.
✅ Money Conversations Become Normal (Not Stressful)
- Your kids will actually ask good questions about money because you've made it safe to talk about. No more awkward silence or delayed conversations when bills come up.
✅ Your Kids Start Making Smart Choices on Their Own
- Watch them pause and think before spending instead of grabbing everything they see. They'll surprise you with how wise they become.
✅ You Sleep Better Knowing They'll Be Okay
- That nagging worry about their financial future? Gone. You'll know they have the foundation to handle whatever life throws at them.
✅ You Break the Cycle for Good
- The financial stress that maybe defined your childhood ends with you. Your kids will grow up with a completely different relationship with money, which they can teach to their kids one day..
✅ Your Family Actually Works as a Team
- Instead of money being this source of tension, your family starts working toward goals together. It brings you closer, not further apart.
Here’s Everything You Get:
VALUE:
- The Complete 8-Session CSFL Program ($9,999)
- BONUS #1: Live Expert Q&A Sessions ($9,999)
- BONUS #2: Exclusive Community Access ($1,499)
- BONUS #3: Family Banking Assessment ($2,999 Value)
- BONUS #4: Cash Flow optimization For Parents Finances ($4,999)
Total Value: $30,000+
Listing Price: $2,499
Your Price Today: $1,499
Total Value: $30,000+
Regular Pricing $2,499 CAD
SAVE $1000
Your Price Today:
$1,499
Who Created the Cash Smart For Life Program?
Meet Winnie & Emaghea - A Mother and Daughter DUO
This isn't a program created by financial experts in boardrooms. It's a real system developed by a mom and daughter who actually lived it.
Winnie's Story:
When Emaghea was born, Winnie was 23, single mom and $10,000 in debt. She'd been managing money out of necessity since moving out at 15, but having a daughter changed everything.
She knew she couldn't keep winging it. She wanted to give her little girl a completely different foundation than what she'd had.
Emaghea's Story:
Starting at age 4, Emaghea learned to see herself as the source of the things she wanted. By 8, she understood money as a tool.
At 18, she moved out four hours away, working minimum wage as a housekeeper, and thrived. For over five years now, she's been completely financially independent, moving to beautiful (expensive) places and supporting herself with confidence.
The System That Changed Everything: What started as a mom trying to do better for her daughter became a proven system when they realized it worked beyond their wildest dreams. In 2020, during COVID, they decided other families needed this too.
What's It Really Worth to Know Your Kids Will Be Okay?
Put a number on this feeling: Your 25-year-old calls you to share exciting news about their latest achievement, not to ask for money to cover rent.
The CashSmartForLife program gives you the confidence to lead your family toward financial independence — starting today.
What's it really worth to:
✔️ Never worry about your kids calling home for bailouts?
✔️ Watch them make smart money choices without your constant guidance?
✔️ Know they'll never stay in toxic relationships because they can't afford to leave?
✔️ Sleep peacefully knowing you broke the cycle of financial stress?
✔️ Feel proud instead of anxious when money conversations come up?
You can't put a price on that peace of mind.
Because when you give your children this foundation, you're not just changing their lives, you're changing your family's entire future.
What If Nothing Changes ?
Picture this: Your 25-year-old calls you... again. The rent's due, the car broke down, or they "just need a little help getting back on their feet."
What if nothing changes and they’re left to figure this out on their own…?
Your kids learn about money the hard way — through debt, overdrafts, and stress
- They keep coming home for bailouts instead of standing on their own
- You're still worrying about their financial future when you should be enjoying retirement
- The cycle of financial stress just continues and their dream remain small, while passing on their bad habits to their children
Here's the hard truth: Hoping someone else will teach them isn't a plan. Crossing your fingers and waiting isn't a strategy.
But you have a choice right now…
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You can keep hoping it'll work out somehow... or you can become the parent who actually does something about it. Your kids are watching you every single day. They're learning from how you handle money, whether you're teaching intentionally or not. The question is: What do you want them to learn? Don't wait for the perfect moment. Don't hope it gets easier. Lead now, while they still want to learn from you. |
Your kids' financial future is in your hands.
What are you going to do with that responsibility?
Ready to Get Started?
Book a Call with Emaghea To see if you qualify for the CashSmartForLife Program
[1]https://stories.td.com/ca/en/news/2024-10-31-nearly-3-in-5-canadian-parents-expect-to-financially-support?
[2] https://tnc.news/2023/07/23/parents-worried-childrens-finances/?
[3] High schoolers falling behind on financial literacy Nov 12, 2024 CPA Canada]
[4] https://globalnews.ca/news/10462558/canada-retirement-supporting-kids-finances/
[5]https://www.canada.ca/en/financial-consumer-agency/services/financial-wellness-work/stress-impacts.html
[6] https://www.canada.ca/en/financial-consumer-agency/services/financial-wellness-work/stress-impacts.html?
[7] https://www.statcan.gc.ca/o1/en/plus/1615-income-meet-inflation?
Empower your kids for financial self-reliance.
Book A Strategy Call With Emaghea
