Recently I heard Dr. Dobson provide an idea about encouraging saving and generosity in teenagers. He recommended making a standing offer to match any contributions your child makes to their savings account or to the church. Two days ago I offered the same plan to my son. Yesterday at church I had forgotten my offer to my son when the offering plate arrived. Dutifully he reached into his billfold and put some of his money in and looked at me. I found myself scrambling throught my billfold to match him. I hope he continues and has fun with this. The importance of managing money wisely is a difficult lesson.