How to Teach Your Child the Value of Money

Teaching your child the value of money is one of the most important life lessons you can impart. It’s not just about counting coins or knowing how to use a credit card; it’s about instilling a sense of responsibility, understanding the concept of value, and developing good financial habits that will last a lifetime. Think of it as planting a seed in a garden; with the right nurturing, it will grow into something beautiful and fruitful. In a world where financial literacy is often overlooked, you can give your child a head start by incorporating fun and engaging methods to teach them about money management.

Before diving into the nitty-gritty of saving and spending, it’s essential to introduce your child to basic money concepts. Start with the fundamentals: what money is, its purpose, and how it’s used in everyday life. Explain the difference between currency and value, and how money facilitates exchange. Use simple analogies, such as comparing money to a ticket that allows you to access goods and services. By laying this foundation, your child will begin to appreciate the role of money in their lives. You might even consider creating a fun game where they can earn "money" for completing chores, teaching them the connection between work and earning.

Once your child grasps the basic concepts of money, the next step is to help them set achievable savings goals. This practice not only teaches them the importance of delayed gratification but also instills a sense of accomplishment when they reach their targets. Encourage them to think about what they want to save for, whether it’s a new toy, a video game, or even a special outing. You can make this process interactive by creating a savings goal chart together. Here’s a simple example:

This visual representation not only makes it easier for them to see their progress but also motivates them to save more. When they eventually reach their goals, celebrate these milestones together. This reinforces the idea that saving is rewarding and encourages them to continue working towards future financial objectives.

A fun and tangible way for children to visualize their savings progress is by creating a savings jar. This can be as simple as a clear container that allows them to see their money grow over time. Encourage them to contribute a portion of their allowance or any gifts they receive. You can even personalize the jar with stickers or paint to make it more appealing. This hands-on approach can make saving feel like a game rather than a chore.

Regularly tracking savings can be a fantastic motivator for children. Consider using charts or apps that allow them to see how their savings grow over time. This not only reinforces positive habits but also helps them understand the concept of interest if you choose to explain it. Watching their money accumulate can be incredibly satisfying and can spark conversations about how they might invest or spend their savings wisely.

When your child reaches their savings goals, make it a point to celebrate! This could be as simple as a special outing or a small reward. Celebrating achievements reinforces the value of saving and encourages them to continue working towards future financial objectives. It’s a great way to show them that hard work pays off, and it can create lasting memories that they’ll cherish.

Budgeting is another crucial skill that every child should learn. Introduce your child to budgeting by helping them allocate their allowance for different purposes, such as spending, saving, and sharing. This teaches them to prioritize their financial decisions and understand that money is a limited resource. You can create a simple budget together using a pie chart to visually represent how their money will be divided. This not only makes budgeting fun but also helps them see the bigger picture.

It’s essential to teach your child the difference between needs and wants. Discuss the importance of making informed purchasing decisions and the value of comparison shopping. Ask them questions like, “Do we really need this, or is it just something we want?” This dialogue can help them develop critical thinking skills when it comes to spending money.

Utilize everyday situations, such as grocery shopping, to demonstrate smart spending. Discuss price comparisons and the benefits of buying in bulk versus purchasing individual items. For example, explain how buying a large pack of snacks might save money in the long run compared to buying single packs. This practical approach allows them to see the real-world application of spending wisely.

In today’s digital age, introducing apps and online tools can make financial education more engaging and relevant to your child's life. There are numerous apps designed for kids that can help them manage their money, track their savings, and even simulate spending. By incorporating technology, you can make learning about finances fun and interactive, ensuring that your child stays engaged and interested.

• At what age should I start teaching my child about money? It's never too early! You can start as young as preschool by introducing basic concepts.
• How can I make learning about money fun? Use games, savings jars, and real-life examples to keep it engaging!
• What are some good apps for teaching kids about money? Look for apps like Greenlight, GoHenry, or FamZoo that are designed for financial education.

Understanding Money Concepts

When it comes to teaching children about money, the first step is to introduce them to the **basic concepts** that underpin our financial world. Understanding what money is, its value, and how it can be exchanged for goods and services is crucial for developing a healthy relationship with finances. Start by explaining that money isn't just paper; it represents **value** and can be used to obtain things we need or want. This foundational knowledge sets the stage for more complex financial lessons later on.

Begin by discussing the different forms of money: coins, bills, and even digital currency. You can use playful analogies, such as comparing money to a **magic ticket** that allows you to buy your favorite toys or treats. This can help children grasp the idea that money has power and should be used wisely. You might say, "Imagine if you had a magic ticket that could get you anything you wanted! But remember, you only have a limited number of tickets." This approach not only makes the concept more relatable but also sparks curiosity.

Next, introduce the concept of **value**. Explain that not all items cost the same amount and that prices can vary based on various factors such as brand, quality, and demand. You could create a simple table to illustrate this point, showing how different items have different prices:

This simple table can serve as a conversation starter about why some things are more expensive than others. You can ask questions like, "Why do you think the video game costs more than the chocolate bar?" This encourages critical thinking and helps them understand the concept of value in a practical way.

Moreover, discuss the idea of **exchange**. Explain that money allows us to trade our time and efforts for things we need or want. You can create scenarios where your child can trade chores for an allowance, emphasizing that their effort is being exchanged for money. "When you help with the dishes, you're earning money that you can use to buy that new toy you've been eyeing!" This teaches them that money isn't just given; it is earned through work and responsibility.

Finally, use **real-life examples** to reinforce these concepts. When you go shopping together, point out how you compare prices and make decisions based on value. Ask them to help you find the best deal or to decide which item is worth the price. This not only makes learning fun but also gives them practical experience in understanding money concepts.

By laying this groundwork, you're setting your child up for a future where they can navigate the complexities of money with confidence and responsibility. Remember, the goal is to make these lessons engaging and relatable, so your child feels empowered to make informed financial decisions as they grow.

• At what age should I start teaching my child about money? It's never too early! You can start introducing basic concepts as soon as they can understand simple exchanges, usually around age 4 or 5.
• How can I make learning about money fun? Use games, real-life shopping experiences, and interactive tools like apps designed for kids to make the learning process enjoyable.
• What are some common mistakes parents make when teaching kids about money? One common mistake is not involving children in real financial decisions. Allow them to participate in budgeting and saving discussions to foster a deeper understanding.

Setting Savings Goals

Setting savings goals is not just a great way to teach your child about money; it’s a journey that fosters a sense of responsibility and achievement. Think of it as planting a seed in a garden. With the right care and attention, that seed can grow into something beautiful. By helping your child establish realistic and attainable savings goals, you’re giving them the tools they need to cultivate a healthy relationship with money.

Start by having a conversation about what your child wants to save for. This could be anything from a new toy, a video game, or even a special outing. Make it personal! When children have a specific goal in mind, they are more likely to stay motivated and committed. You might say, “What’s something you really want? Let’s figure out how we can save for it together!” This not only teaches them about saving but also about the excitement of working towards something they truly desire.

To make the process even more engaging, consider using a savings jar. This tangible tool can serve as a visual representation of their progress. Every time your child adds money to the jar, they can see their savings grow, which reinforces the idea that money can accumulate over time. You can even decorate the jar together, making it a fun project that adds a personal touch. It’s like creating a masterpiece that reflects their financial journey!

Next, it’s essential to discuss the concept of delayed gratification. This is where the real magic happens. Explain to your child that sometimes it’s better to wait and save for something special rather than making impulsive purchases. You can illustrate this by comparing it to waiting for a delicious cake to bake rather than eating the raw batter. The result is so much sweeter! Encourage them to set a specific timeframe for their savings goal. For instance, if they want to buy a toy that costs $40, help them break it down into smaller, manageable parts. If they save $10 a week, they’ll have enough in just four weeks!

To keep the momentum going, regularly track their progress. You can create a simple chart together to visually display how much they’ve saved and how far they have to go. This not only makes the process fun but also reinforces the idea of setting and achieving goals. You might say, “Look how far you’ve come! Just a little more and you’ll have enough!” This positive reinforcement can be incredibly motivating.

Finally, when your child reaches their savings goal, make sure to celebrate! Whether it’s a small family celebration or a special outing, acknowledging their achievement reinforces the value of saving. It’s like throwing a mini-party for their hard work! You can say, “You did it! All that saving paid off, and now you can enjoy your new toy!” This celebration will not only make them feel proud but will also encourage them to set new goals in the future.

In summary, setting savings goals with your child is an enriching experience that teaches them valuable life skills. By helping them visualize their progress, discussing delayed gratification, and celebrating their achievements, you’re laying the groundwork for a financially savvy future.

1. What age is appropriate to start teaching children about savings?
Most experts suggest introducing basic money concepts as early as age 5. Children can start understanding the value of saving and spending by that age.

2. How can I motivate my child to save?
Make it fun! Use a savings jar, set exciting goals, and celebrate milestones to keep them engaged and motivated.

3. Should I match my child's savings?
Matching your child's savings can be a great incentive. It teaches them that their efforts are valued and encourages them to save more.

4. How do I explain the concept of delayed gratification?
Use relatable analogies, like waiting for a cake to bake, to illustrate that waiting for something special can lead to greater satisfaction.

Creating a Savings Jar

Creating a savings jar is not just a fun activity; it’s a practical way to teach your child about the concept of saving money in a tangible manner. Imagine this: every time your child drops coins or bills into the jar, they are not just adding money; they are building a habit that will serve them for a lifetime. This simple yet effective tool can transform the abstract idea of saving into a concrete experience.

To kick things off, find a clear jar or container that your child can decorate. This personalization makes the savings jar feel special and encourages them to engage with it regularly. They can use stickers, paint, or even markers to express their creativity. When your child takes ownership of the jar, they are more likely to develop a sense of pride in their savings journey.

Next, discuss with your child what they want to save for. This could be anything from a new toy, a book, or even a fun outing like a trip to the amusement park. By setting a specific goal, you’re giving them a target to aim for, which can be incredibly motivating. You might say, “What do you really want to buy? How much does it cost?” This conversation not only boosts their enthusiasm but also helps them understand the concept of value and pricing.

Encourage your child to contribute a portion of their allowance or any money they receive as gifts to the savings jar. For example, you might suggest that they save 50% of their allowance while spending the rest. This practice teaches them about delayed gratification, showing them that waiting for something they want can be more rewarding than instant gratification.

To make the process even more engaging, consider creating a chart to track their savings progress. You can draw a simple graph on a piece of paper or use an app designed for this purpose. Each time they add money to the jar, they can mark it on the chart, visually seeing their savings grow over time. This not only reinforces positive habits but also instills a sense of accomplishment as they reach milestones along the way.

Finally, don’t forget to celebrate when your child reaches their savings goal! Whether it’s a small treat or a special outing, celebrating milestones reinforces the value of saving and encourages them to keep going. You might say, “Look how far you’ve come! Let’s go buy that toy together!” This positive reinforcement will help them associate saving with good feelings and success.

In summary, a savings jar is an effective and enjoyable way to teach your child about money management. It combines creativity, goal-setting, and tracking progress into a single activity that can lay the foundation for a lifetime of financial literacy. So, why not start today? Grab a jar, get creative, and watch as your child learns the importance of saving while having fun!

• What age is appropriate to start using a savings jar? Generally, children as young as 5 or 6 can start learning about saving money with a savings jar.
• How can I motivate my child to save? Encourage them to set specific goals and celebrate their achievements to keep them motivated.
• What should my child save for? It can be anything from toys to experiences, but it's best to choose something meaningful to them.

Tracking Progress

Tracking progress is an essential part of teaching your child the value of saving money. It’s not just about stuffing coins into a jar; it’s about visualizing growth and feeling a sense of achievement as they watch their savings accumulate over time. By regularly monitoring their savings, children can develop a deeper understanding of how their efforts lead to tangible results. Think of it as planting a seed and nurturing it—every time they add to their savings, they’re watering that seed, and eventually, it blossoms into something rewarding.

One effective way to track savings is by using a visual chart. You can create a simple savings tracker that shows their goals and the amount saved. This chart can be hung on the fridge or in their room, serving as a daily reminder of their financial aspirations. For instance, if they want to save for a new toy, you can draw a thermometer-style chart where each level represents a certain amount saved. As they reach each milestone, they can color in a section of the thermometer, making the process both fun and motivating.

Additionally, technology can play a significant role in tracking progress. There are numerous apps designed specifically for children that make saving money engaging and interactive. These apps often include features such as goal setting, where children can input their savings goals and see how close they are to achieving them. Some apps even gamify the experience, offering rewards and badges for reaching savings milestones, which can further motivate them to save.

As they track their progress, it’s also important to have regular discussions about their savings. Ask them how they feel about their progress. Are they excited? Do they feel tempted to spend some of it? These conversations can help reinforce the idea that saving is a journey, one that requires patience and discipline. By celebrating their achievements, no matter how small, you instill a sense of pride and accomplishment, which is crucial for building lifelong financial habits.

Celebrating Milestones

Celebrating milestones is a crucial part of teaching your child the value of money. When your little one reaches a savings goal, it’s not just a number; it's a testament to their hard work and dedication. Think about it: every coin they drop into their savings jar is a step towards something they truly desire. By acknowledging these achievements, you’re not only reinforcing their positive behavior but also making the journey of financial literacy exciting and rewarding.

So, how can you celebrate these milestones effectively? It doesn’t have to be extravagant or costly. A simple celebration can be just as meaningful. Here are some ideas to consider:

• Personalized Rewards: Create a special reward that resonates with your child's interests. It could be a small toy, a fun outing, or even a special treat they’ve been eyeing.
• Family Celebration: Organize a small family gathering where you can highlight your child’s achievement. This not only makes them feel proud but also instills a sense of community around their financial journey.
• Recognition: Create a certificate or a fun trophy that acknowledges their hard work. Displaying it in their room will serve as a constant reminder of their accomplishments.

Moreover, it’s vital to discuss what these milestones mean in the grand scheme of financial literacy. Sit down with your child and talk about how their savings can lead to future purchases, experiences, or even investments. This conversation can spark their imagination about what they can achieve with their money. For instance, if they saved up for a new bike, discuss how saving for bigger goals can open doors to even more exciting opportunities, like a family trip or a new game console.

Remember, the key is to make these celebrations meaningful and connected to their financial journey. By doing so, you not only teach them the importance of saving but also the joy that comes from reaching their goals. This positive reinforcement will encourage them to continue saving and working towards future milestones, creating a healthy and responsible attitude towards money management.

Teaching Budgeting Skills

Teaching your child about budgeting is like giving them a treasure map to navigate their financial future. It’s not just about managing money; it’s about making informed choices that can lead to a more fulfilling life. By introducing budgeting skills early on, you’re setting them up for success in a world that often feels overwhelming when it comes to finances. So, how do you go about instilling these essential skills? Let’s dive into some practical strategies!

Start by having an open conversation about money. Explain what budgeting means and why it’s crucial. You might say, “Imagine you have a limited amount of candy. If you eat it all at once, you won’t have any left for later!” This analogy helps children understand that money, like candy, needs to be managed wisely. Encourage them to think about their allowance or any money they receive as a finite resource that requires planning.

Next, consider creating a simple budgeting template together. This can be a fun activity where your child can visualize how to allocate their funds. For instance, you could set up a table that breaks down their allowance into categories:

This simple table not only helps them understand where their money goes but also emphasizes the importance of saving and giving. As they fill in the amounts, they’ll start to grasp the concept of prioritizing their spending and making choices based on their values.

Another effective way to teach budgeting is through real-life scenarios. When you go grocery shopping, involve them in the process. Ask questions like, “How much do you think we should spend on snacks this week?” This encourages them to think critically about spending limits and helps them practice their budgeting skills in a practical setting. You can also discuss the difference between needs and wants during this time, emphasizing that not every want has to be fulfilled immediately.

Lastly, make budgeting a regular part of your family’s routine. Consider setting aside time each week or month to review their budget together. This not only reinforces the habit but also allows you to celebrate their successes and discuss any challenges they faced. Remember, the goal is to create a safe space for them to learn from mistakes without fear of judgment.

By teaching your child budgeting skills, you are equipping them with the tools they need to navigate the complex world of finance. It’s about fostering a mindset of responsibility and foresight, which will serve them well throughout their lives. So, are you ready to embark on this exciting journey of financial literacy with your child?

• What age should I start teaching my child about budgeting? It's beneficial to start as early as possible, even as young as 5 or 6, using simple concepts and activities.
• How can I make budgeting fun for my child? Use games, apps, and real-life shopping experiences to make learning about budgeting engaging and interactive.
• What if my child struggles with budgeting? Encourage them and remind them that mistakes are part of the learning process. Offer guidance and support without judgment.

Encouraging Smart Spending

Teaching your child about money isn't just about saving; it's equally important to emphasize the concept of smart spending. What does it mean to spend wisely? Think of it as equipping your child with a financial compass that helps them navigate the sometimes choppy waters of consumerism. By instilling the difference between needs and wants, you empower your child to make informed choices, ultimately leading to a healthier financial future.

Start by having open conversations about what constitutes a need versus a want. A need is something essential for survival, like food and shelter, while a want is more about desire—like that shiny new toy or the latest video game. You can illustrate this concept by creating a simple table:

By categorizing items in this way, your child can begin to understand the importance of prioritizing their spending. Next, involve them in real-life shopping experiences. For example, when you're at the grocery store, take a moment to compare prices on similar products. Ask your child questions like, “Which brand do you think offers better value?” or “How much do we save if we buy in bulk?” This not only reinforces the concept of smart spending but also makes them feel like a valuable participant in the decision-making process.

Another effective strategy is to talk about the benefits of comparison shopping. Explain that just because something is on sale doesn't mean it's the best deal. Encourage your child to think critically about their purchases. For example, if they find a toy they want, suggest they check prices online or at different stores to see where they can get the best deal. This practice not only fosters patience but also teaches them that being a savvy shopper can lead to significant savings over time.

Incorporating technology can also make learning about smart spending more engaging. There are numerous apps designed to help kids manage their money, track their spending, and even set budgets. Introduce these tools to your child and encourage them to use them regularly. Not only will this make financial education more relevant to their lives, but it also aligns with their tech-savvy nature. It's like giving them a digital toolkit for financial success!

Finally, don’t forget to celebrate smart spending decisions! When your child makes a wise purchase or saves money through comparison shopping, acknowledge their efforts. This positive reinforcement can motivate them to continue making smart financial choices. After all, financial literacy is a journey, not a destination.

• At what age should I start teaching my child about money? It's never too early! You can start introducing basic concepts as soon as they can understand the value of coins.
• How can I make learning about money fun for my child? Use games, apps, and real-life shopping experiences to make financial education engaging and interactive.
• What if my child wants something that isn't a need? Discuss the importance of waiting and saving for wants, helping them understand the value of delayed gratification.

Using Real-Life Examples

When it comes to teaching your child about money, nothing beats the power of real-life examples. Children learn best when they can see concepts in action, and everyday situations provide the perfect opportunity to illustrate the importance of smart spending. For instance, the next time you go grocery shopping, turn it into a mini-lesson. Instead of just picking up items and heading to the checkout, engage your child in the process. Ask them to help you compare prices on different brands of the same product. This not only teaches them about price comparison but also highlights how even small differences can add up over time.

Imagine you're in the cereal aisle, staring at two boxes of cereal. One is a well-known brand priced at $4.50, while the other is a generic brand at $2.50. Ask your child questions like, “Which one do you think is a better deal?” or “What factors should we consider before making a choice?” These conversations can lead to a deeper understanding of value, quality, and the art of making informed decisions. You can even create a simple

By showing your child that choosing wisely can lead to savings, you're instilling a sense of financial responsibility that will serve them well in the future. Additionally, consider discussing the concept of bulk buying. If you find that a certain item is on sale, explain how purchasing in bulk can save money in the long run. For example, buying a large bag of rice might cost $10, while two smaller bags might total $12. This not only teaches them about spending wisely but also encourages planning ahead.

Another engaging way to incorporate real-life examples is by involving your child in planning a family outing. Give them a budget and ask them to help choose activities or meals that fit within that budget. This hands-on experience will teach them how to make choices based on their financial limits while also considering what they truly want to do. You can ask questions like, “If we spend $20 on lunch, how much do we have left for activities?” This reinforces basic math skills while also making financial discussions practical and enjoyable.

In essence, using real-life examples to teach your child about money isn't just about imparting knowledge; it's about creating a financial mindset that they can carry with them throughout their lives. By making these lessons interactive and relevant, you're helping them build a foundation for sound money management that will benefit them now and in the future.

• At what age should I start teaching my child about money? It's never too early! You can start introducing basic concepts as young as 3 or 4 years old.
• How can I make learning about money fun? Use games, real-life shopping experiences, and interactive activities to keep your child engaged.
• What are some good resources for teaching kids about money? Look for books, apps, and online courses designed specifically for children to make learning enjoyable.
• Should I give my child an allowance? Yes, an allowance can be a great way to teach budgeting and saving skills.

Incorporating Technology

In today's digital age, technology plays a pivotal role in shaping how we manage our finances, and this holds true for our children as well. By integrating technology into financial education, we can make learning about money not only informative but also exciting and engaging. Imagine a world where your child can track their savings, budget their allowance, and even learn about investing—all from the palm of their hand! This is not just a fantasy; it’s a reality made possible by various apps and online tools designed specifically for young learners.

One of the most effective ways to incorporate technology is through financial literacy apps. These applications often feature interactive games and challenges that teach children about money management in a fun way. For instance, apps like Greenlight allow kids to have their own debit cards, giving them real-world experience in spending, saving, and even investing. They can set savings goals, track their spending habits, and learn about the importance of budgeting—all while having fun! Imagine your child getting excited about saving money because they can see their progress visually on their app.

Furthermore, online platforms can facilitate discussions about money management. Websites like Khan Academy offer free courses that cover a range of financial topics, from understanding interest rates to the basics of investing. These resources not only provide valuable information but also allow children to learn at their own pace. It’s like having a personal finance tutor available 24/7!

To take it a step further, you can introduce your child to virtual money management tools. Many banks offer youth accounts that come with online banking features. This can help your child learn how to monitor their accounts, understand transactions, and even explore the concept of interest. By allowing them to manage a small amount of money through a bank account, you’re giving them a real-world experience that reinforces the importance of financial responsibility.

Incorporating technology also opens the door to discussions about online safety. As your child learns to navigate digital financial tools, it’s crucial to instill a sense of caution regarding personal information and online transactions. Teach them about the importance of keeping their passwords secure and recognizing phishing scams. This not only helps them manage money but also equips them with skills to protect themselves in the digital world.

Ultimately, by embracing technology in your child’s financial education, you’re not just teaching them how to manage money; you’re preparing them for a future where digital literacy is essential. They’ll be equipped with the tools to make informed financial decisions, understand the value of saving, and navigate the complexities of the financial landscape—all while having fun!

• What are some good financial apps for kids?

  Some popular financial apps for kids include Greenlight, GoHenry, and FamZoo. These apps help children learn about money management through interactive features.

• At what age should I start teaching my child about money?

  It's never too early to start! You can introduce basic concepts as young as 4 or 5 years old, gradually building up to more complex topics as they grow.

• How can I make learning about money fun for my child?

  Incorporate games, challenges, and technology into your teaching. Use apps that gamify savings and spending, or create fun activities that involve budgeting for a family outing.

Frequently Asked Questions

• At what age should I start teaching my child about money?

  It's never too early to start! You can introduce basic money concepts as soon as your child can understand the difference between coins and notes. By age 5 or 6, they can start grasping simple ideas like saving and spending.

• How can I make learning about money fun for my child?

  Incorporate games and activities! Use play money to simulate shopping experiences, or create a savings challenge where they can earn rewards for reaching savings goals. The key is to keep it engaging and interactive!

• What are some effective ways to teach my child about saving?

  Creating a savings jar is a fantastic start! Allow your child to see their savings grow visually. You can also set specific savings goals together, like saving for a toy, which teaches delayed gratification in a fun way.

• How do I explain the difference between needs and wants?

  Use real-life examples! When shopping, point out items that are essential, like food and clothing, versus things that are nice to have, like toys or candy. This helps them understand prioritization in spending.

• Are there any apps that can help my child learn about money management?

  Absolutely! There are many child-friendly apps designed to teach budgeting and saving. Look for apps that allow them to track their savings and set goals, making the learning process modern and engaging.

• How can I encourage my child to stick to a budget?

  Involve them in the budgeting process! Help them allocate their allowance into different categories, such as spending, saving, and sharing. Regularly review their budget together to reinforce the importance of sticking to it.

• What should I do if my child wants to spend all their money at once?

  Have an open conversation about the benefits of saving versus immediate gratification. Encourage them to think about future purchases and how saving can help them achieve bigger goals, like buying a bike or a game.

• How can I celebrate my child's financial milestones?

  Celebrate achievements with small rewards or special outings! Whether it's reaching a savings goal or successfully sticking to a budget, acknowledging their efforts reinforces positive behavior and motivates them to keep going.