Return-Path: Delivered-To: info@sterlingcal.com Received: from reseller401.webserversystems.com by reseller401.webserversystems.com with LMTP id GKEDL3w012iNfQMAchKAPA (envelope-from ) for ; Fri, 26 Sep 2025 19:49:00 -0500 Return-path: Envelope-to: info@sterlingcal.com Delivery-date: Fri, 26 Sep 2025 19:49:00 -0500 Received: from mqkvwqua.updates.greenlight.com ([137.22.228.110]:23245) by reseller401.webserversystems.com with esmtps (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256 (Exim 4.98.1) (envelope-from ) id 1v2J7U-00000000xYR-0U8u for info@sterlingcal.com; Fri, 26 Sep 2025 19:49:00 -0500 X-MSFBL: PpzsYZnL+UYEbE1Qz6TKzkc5XTdCIQJt+MZ0qrChdWE=|eyJjdXN0b21lcl9pZCI 6IjI2NjY5MyIsInRlbmFudF9pZCI6InNwYyIsInIiOiJpbmZvQHN0ZXJsaW5nY2F sLmNvbSIsInN1YmFjY291bnRfaWQiOiI3MTgiLCJtZXNzYWdlX2lkIjoiNjhkNjc xMzRkNzY4OTY5NTAzYzcifQ== DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=updates.greenlight.com; s=scph1122; t=1758934129; i=@updates.greenlight.com; bh=C9zxSL77mCXNOaI90RjMFOGB0Hkj5/3gEa2yu3bM330=; h=From:Message-ID:List-Unsubscribe:List-Unsubscribe-Post:To:Date: Content-Type:Subject:From:To:Cc:Subject; b=kMKES4kErj5CZ7ad4Y/ZTRhOH1W7JzbwdNpPa+dRalxKt8KkyiKO56hM4kxUu9mM+ NDLy9xRH8t1SnfpTTPrYGnxR22e4vK7iJK+VKybR5iLp/kCoz4H9irKa9dC6YnrXMM knUKSADLcIg9OifJ9TlJrhTbr7aFahfycfa8lHHU= Received: from [10.90.13.25] ([10.90.13.25]) by i-009df142feb35f6c5.mta1vrest.sd.prd.sparkpost (ecelerity 5.1.0.74606 r(msys-ecelerity:tags/5.1.0.11)) with REST id 7C/30-30532-17437D86; Sat, 27 Sep 2025 00:48:49 +0000 From: "Greenlight $mart Parents" Message-ID: <7C.30.30532.17437D86@i-009df142feb35f6c5.mta1vrest.sd.prd.sparkpost> List-Unsubscribe: , List-Unsubscribe-Post: List-Unsubscribe=One-Click To: info@sterlingcal.com Date: Sat, 27 Sep 2025 00:48:49 +0000 Content-Type: multipart/alternative; boundary="_----/OSpo1udozwfZ6Xt5RFDwQ===_4B/30-30532-17437D86" MIME-Version: 1.0 Subject: Allowance vs. inflation. Reply-To: newsletter@greenlight.com X-Spam-Status: No, score=1.9 X-Spam-Score: 19 X-Spam-Bar: + X-Spam-Flag: NO --_----/OSpo1udozwfZ6Xt5RFDwQ===_4B/30-30532-17437D86 Content-Transfer-Encoding: quoted-printable Content-Type: text/plain; charset="UTF-8" A 4-minute read about kids=E2=80=99 compensation keeping up.=0AGreenlight S= mart Parents =0A( http://clicks.greenlight.com/f/a/uhaaAZmmTC4_n83x1bR3GA~~= /AAQRxRA~/VPJYkugpLYw5Dogm2RSb_vK2QvApHMPxX2PqxcdrpZFbOIGC0nJKLhzqYPrLrHirB= 89b71PQ8KDGvx-OGHeoDdlrXxsg1ECNgKxZRVcDeCSiXiyBLgWYLUYmw7doQL0v ) Septemb= er 26, 2025=0A=0AWelcome to Greenlight=E2=80=99s brand new $mart Parents ne= wsletter,=0Adesigned to fit into your busy life with relevant, weekly=0Aupd= ates!=0A=0AEnjoy this first edition and simply click here =0A( http://click= s.greenlight.com/f/a/n9ez055Q_Zqu99UYBqC6fg~~/AAQRxRA~/0F-yINg4ciJ2YXqWAHhd= pkQ04cW2tEsuaNM5B4vQzE4EOZ5EL1t0S7gNdFZq_KjGnum_QJ2ROg6lGEbGdIrB5gmXNinmp5_= NkUQi85aO4BRR3HYT3IhHYB4723O4x3OtUJlAqFXokOqEfaCyaXYmBjIH0kpfAYAhptM5izYPJX= I~ )=0Ato continue getting real talk and insightful tips delivered free=0At= o your inbox. We=E2=80=99re building a community to help parents raise=0Aki= ds who thrive with money (and in life), and we think you=E2=80=99ll=0Alove = it!=0A=0ASTAT OF THE WEEK=0A=0A--------------------------------------------= --=0A2.9% =E2=80=94 The latest 12-month U.S. inflation rate=0A-------------= ---------------------------------=0A=0AChild using card Child using card= =0A=0AMore to know=0A------------=0A=0AWhile inflation today isn=E2=80=99t = as high as its 2022 peaks, it=E2=80=99s=0Astill above the 2% annual target,= and many families are feeling=0Athe difference. In the 12-month period end= ing August 2025, the=0AU.S. inflation rate was 2.9%.=0A=0AInflation affects= kids, too, when their allowance doesn=E2=80=99t go as=0Afar as before =E2= =80=94 especially for items with steeper cost increases.=0APrice changes ar= e tracked by the Consumer Price Index =0A( http://clicks.greenlight.com/f/a= /PHZZ_Ig-w_Wu81pKILM3pg~~/AAQRxRA~/nnQxhV3HR-trBwmXubBb8AB3euf2yCMM7UvoMh4O= 2x1h7-Nqu_dnyWg1PSmf2mcCGzxshYJleJmw7DQSdCyES_lAwP5ZSCcHsB75OldR__Yk_Db-XEd= Yis0v-a7FlmU6C4_NzWXbSqbKoO5R4K_zCB39475nTVVhnxccJz_Hu2qaSYgIxn8E7tbH495dR7= -znvrC7GQFT2GgOSK4PZSrig~~ )=0A, which averages across categories, like foo= d, gas, clothes,=0Acars, and more.=0A=0AOn a $20 weekly allowance, the one-= year loss in buying power=0Aadds up to about $31 (just over 1.5 weeks of th= eir earnings). And=0Athe cumulative impact really sneaks up year over year.= For=0Aexample, a high school senior who=E2=80=99s had a $20 weekly allowan= ce=0Asince freshman year would need more than $23 per week today to=0Akeep = the exact same buying power =E2=80=94 or have about $160 less this=0Ayear.= =0A=0AFor some flashback fun, here=E2=80=99s what a $20 weekly allowance in= =0Atoday=E2=80=99s dollars looks like in past generations with an inflation= =0Acalculator =0A( http://clicks.greenlight.com/f/a/vx5skQ9FW-f2ruoWA1s26w~= ~/AAQRxRA~/vK9rcYRfEaPr-Y1wjc3rOZ8IlzfPrWeuY4khu_60v58ibaSL_7mYWXt82PqcHHP4= YnAPpbfQtbdA0PpqAqPb11Q0O6-XF9-g1-cA-FK2441WnsC6LTfDjk8uG34WW05e9YwzU9--51M= j9O--APJ09jOeIoLZFUdy2vPI-ndv09s~ )=0A:=0A=0A* $12.12/week =E2=80=94 2005= =0A* $10.67/week =E2=80=94 2000=0A* $9.44/week =E2=80=94 1995=0A* $6.67/wee= k =E2=80=94 1985=0AHere are a few ideas to help kids understand and navigat= e=0Ainflation for today and the future.=0A=0A$MART TIPS BY AGE=0A=0AKids * = Share =E2=80=98olden days=E2=80=99 prices. Show how the cost of something= =0Athey=E2=80=99d like to buy today compares to when you were their age. Us= e=0Athe inflation calculator =0A( http://clicks.greenlight.com/f/a/SW7vavfV= 34jbBnxiioyb_A~~/AAQRxRA~/vK9rcYRfEaPr-Y1wjc3rOZ8IlzfPrWeuY4khu_60v58ibaSL_= 7mYWXt82PqcHHP4sthoKlKc-aReaDcjdH7xcymaNgtHVMSoegq7Tz6qquj0YQRVqVpZrDzfGfPL= lNwwDuVrcnXyWzJ4rylz0RdsRdt7i-Ce5lokIrPyaMKMxIQ~ )=0A =E2=80=94 and don=E2= =80=99t forget wages, too!=0A* Guess prices of items today. Make grocery s= hopping a game!=0AHave them guess the cost of food items you regularly buy,= like=0Amilk or bread, then compare to average price data =0A( http://click= s.greenlight.com/f/a/ZR8GqFUlH7QcyqOgXCASXQ~~/AAQRxRA~/Hh-nz8tMjoVEw3ol3D-Y= 1Yv9IJQq-PrhWvMOdo8QdLDyYZhnBnyKur8KqmGUPTtKzkdSBiz0bYxz77D-3s4qzqj6KHW4yoX= azkYqSBEz3U3rt-SZznQT07jKrQcjw5jCRTS0sl6D9vLMCrNxXWY_-rKBRp8lfG66aL4P6Y4Zky= gylzvON-svvLou5s0I9F1kIZ6lMdDPc3WrfLG90v8n2dQbqeaZGIO9TM5bb_fkVuo~ )=0A. Th= e table view starts at the top with prices from 20 years=0Aago.=0A* Save be= fore you spend. Help them practice setting aside money=0Afirst before buyin= g something, and plan ahead for prices being=0Ahigher tomorrow.=0ATweens = * Consider future costs. As your tween sets savings=0Agoals for future purc= hases, encourage them to set aside a little=0Aextra to be prepared. Costs c= an increase for many reasons,=0Aincluding tariffs, supply issues, high dema= nd, etc.=0A* Track real prices. Point out changes in everyday costs, whethe= r=0Ait=E2=80=99s the price of a gallon of gas, a favorite take-out item, or= a=0Astreaming service. Talk about potential causes and whether it=E2=80=99= s=0Atemporary or permanent.=0A* Teach how to ask for a raise. If you=E2=80= =99re open to considering a=0Asmall allowance increase, ask them to make a = case for why they=0Adeserve higher pay. It=E2=80=99s great practice for sal= ary negotiations=0Aon the job one day.=0ATeens * Have a mini debate. Discus= s the pros and cons of=0Ainflation, with a little research to back it up. S= ome economists=0Asay low and stable inflation encourages spending and maxim= izes=0Aemployment. High inflation can strain family budgets, but=0Athe Fede= ral Reserve can adjust interest rates to help keep it in=0Acheck.=0A* Brai= nstorm how to beat inflation. Explain how money in a=0Alow-interest savings= account loses buying power over time if it=0Aearns less interest than the = inflation rate. Discuss ways to beat=0Aor surpass inflation, such as high-i= nterest savings or=0Ainvesting.=0A* Focus on long-term planning. Connect in= flation to big goals=0Alike college, cars, or investing for the future. Est= imate the=0Afuture cost, such as tuition after their high school graduation= =0Ayear, and show the benefits of an early start.=0ADOLLARS AT DINNER =F0= =9F=92=B5=0A=0A* What=E2=80=99s something you=E2=80=99ve noticed costs more= now than it used=0Ato=3F=0A* If your allowance stayed the same for 3 years= , how would that=0Afeel=3F=0A* If a job=E2=80=99s salary doesn=E2=80=99t in= crease as much as inflation, what=0Acan happen to budgets=3F=0A* What=E2=80= =99s one thing you=E2=80=99d do if your money didn=E2=80=99t stretch as far= =0Aas you hoped=3F=0A* As prices rise, how can saving and investing help=3F= =0A* What=E2=80=99s one big goal you=E2=80=99d want to save for in the futu= re=3F Do=0Ayou think the cost might change over time=3F=0AYOUR OPINION MATT= ERS TO US! =E2=9C=A8=0A=0AWhat did you think of today's email=3F=0A=0AEmoji= =0A( http://clicks.greenlight.com/f/a/uOpSV7yVSGEqG38pi6s_uw~~/AAQRxRA~/aw= fa-um51zBb2gqPpXXPb4ef5ZqNnr2q4ROFyPGeCHsCFgbw85I8uE0zBHuQjcPyBikaTOXpu3bfq= kBIf9GBrJkCf3OGGVDWEriOaDlO19mv9ZUE0ueHRHsgDJGJwP2LKpv2crybIoOiPPH38_CUYucz= AhXMP4E9sAb00zYKWnwELontq5zjWBEM7xQqbN6RT9Lz-q9ScyLYzgAp41us95uTiPqsPQvJMZP= 5pHAc3JaKRZOC62PEQHS2MgTdUjDh )=0A Emoji =0A( http://clicks.greenlight.com= /f/a/LBj7rCqxPAZger1p0cuF8g~~/AAQRxRA~/awfa-um51zBb2gqPpXXPb4ef5ZqNnr2q4ROF= yPGeCHsCFgbw85I8uE0zBHuQjcPyIKRouIkXL9UUKQFgq7JhebbGcwVuYDlHeVx678qdn4JVJ38= RX0qrSOeliGflLcj6X-tW2UyFgHGfPXI4BcurKotJnBvpU5z0j4mpR8pbpnlju7HW2OHAhhqIRk= Xmb4evNfK81q-EvXkTwp5MyD_C_O-gs21W9wuzFMTTzP9GFyHEG-gmeawE7xCxtnnigmCq )=0A= Emoji =0A( http://clicks.greenlight.com/f/a/dGEP7UiGWyM-T5ENy1LGcQ~~/AAQRx= RA~/awfa-um51zBb2gqPpXXPb4ef5ZqNnr2q4ROFyPGeCHsCFgbw85I8uE0zBHuQjcPyN6mEA1T= SkCUWDkavmdxZijQtkwxdl7OoGt5aG6R9rOkOlMngEzy2VW9mdjTK3W01ZNvA_3gpQ3SS_NjbsU= bHdHd3BsZjOSyvqdJIJmva-6LY5GsxMUAvk_lhowRMZu-EcRA-faxsgMSe1YVl1Sho_2BJk3NQj= 3JwsJjFKCU2tU24mduv0qfu1pX8IREvkUUK )=0A=0A=0AAdd us to your contact list o= r move this email to your primary=0Ainbox so you don=E2=80=99t miss an issu= e! =F0=9F=93=AC=0A=0ANot a subscriber=3F Sign up here =0A( http://clicks.gr= eenlight.com/f/a/nvjgvFNtj3UwceeVGXd7xg~~/AAQRxRA~/0F-yINg4ciJ2YXqWAHhdpkQ0= 4cW2tEsuaNM5B4vQzE4EOZ5EL1t0S7gNdFZq_KjGyZTKAHI-KPmBJ_a_xReLFqrwykCdP6vi8Iq= wYpzl1y8kvtSLEsQzrq-nOE6fVLDzTzQPU3g6Rjoga6SBYxn8Yawg6AD6GhTr3ypst1-miiY~ )= =0Aif this was forwarded to you, or share with your friends and=0Afamily!= =0A=0ADownload on the App Store =0A( http://clicks.greenlight.com/f/a/UzFna= sIsny3HiBfiaAdyTg~~/AAQRxRA~/0F-yINg4ciJ2YXqWAHhdppHADK-CTwVqZZnU3JuaDqlyZ_= _arLXKFxtwKbl1UEuWi0tUSMelV0lqZI39nBnpMAo0rUrZFr6tuWzvQH2N9hJEJ_rX-Sa5WJL3y= slC3H3CcaNtvrZxEnsn9eQdkL0-Zvz8xFnwH2I0Qmx9UNWJyRg~ )=0AGet It on Google Pl= ay =0A( http://clicks.greenlight.com/f/a/8oMQsecllLzE05Trk3TpEA~~/AAQRxRA~/= 0F-yINg4ciJ2YXqWAHhdppHADK-CTwVqZZnU3JuaDqkK5SJRVdi-taNRYHYVmQvg_S6Ab_Oms2E= VNeLcZXKsicxl0W8VPHpMkyGuFnEsAZAuPWsaeYG8bAMuWLicDaKNnbxOFWACp4DMQl28J1WYDT= VTHxqLdWlFlXHRt00PrdQ~ )=0AThis is a marketing email.=0A=0A=0A=0A=0A=0A=0A= =0A=C2=A9 2025 Greenlight Financial=0ATechnology, all rights reserved. The = Greenlight Card is issued by=0ACommunity Federal Savings Bank, member FDIC,= pursuant to license=0Aby Mastercard International.=0A=0AGreenlight Financi= al Technology=0A=0A303 Peachtree St. NE, Atlanta, GA 30308, USA=0A=0AUnsubs= cribe ( http://clicks.greenlight.com/f/a/gthWF9ue7Q-maHCpmLUvTg~~/AAQRxRA~/= 0JDWhjM6F25xUy6Hel04QU8USSgqi7dflyAJUpil3Ct-t-kD10oHB4opQticMOkHod-G-jWFCiq= oRQN7SjesYqmSKmirScaMHgKKygGlS0w3fAzrXPZa2jZmzUL1m_pzAAXJEC_wWEsF439pEZbCJA= CAXwzaUIbAvgIGiHlNeGRc5Obd1ialE4Cve8yltggmrX9BRV6-e58NiNLEM-ACPLM9ql0lLQZUJ= BPKeBtyCSyrZ_1k2XgojekQTqYTmTtEWQO6H_dAoqDK9In4EkDIoowj8kultwqiu3ShyXvCCVfv= izv9NQhDjuxzVmoXnKFFUgsEflpGFnfXaRtfIh4K0SJPqAj-cWk6dKWfdl93W2LaLZI5_K0r0gL= DTh3geK7WAsBr9wcq1YuzNFN9MRRnzgiF6OBDDYNldMuyssk3l-bAdf3QYtFh3xGDftU5R29yej= krxVW4RWNJxq8G2Xi1fgrUEFNNTflfvzVQPxD1UQrfElcJE5hzDewIo2ITrNj49XSur_YO99XdA= NH248WEmOZLFdS4qW47PLJqfb85LhBkYDnLMioymaIS2Sc7XDCb9wS97GWCR0LhuErwiczN2qFG= ziUFLxy92HOOhP6fYefCKPq9VSL_W5s59zeZqOrGoUVwWsHgtTJbJpau1FNUQQ~~ ) --_----/OSpo1udozwfZ6Xt5RFDwQ===_4B/30-30532-17437D86 Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="UTF-8" =0A=0A=0A=0A=0A=0A=0A=0A=0A=0A
A 4-minute read about kids=E2=80=99 com= pensation keeping up.
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