As we grow up, our parents have a lot of influence on the people we eventually become. But outside of parenting, sometimes we are who we are and there's not much they can do to change it.

Nicole and I discuss how we were raised by our parents and if our money beliefs were crafted by that upbringing. Or was it something completely different? Are we just born how we are?

We explore the topic and enjoy a glass of wine together as usual.

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Nicole and Andy chat about buying presents for the kids for Christmas. 

How many are too many?

How little is too little?

We're not sure we have the answers, but we sure enjoyed our drinks while we're discovering it. 

Thanks for joining us for another Bread & Wine episode!

Want to help your teen become money-savvy?

Ed Vargo, a money expert and father to 5 daughters, knows first-hand how to navigate this difficult terrain. 

He shares practical tips for parents in helping their teens have a healthy relationship with money. 

Raising money-smart kids gives them a better shot at financial independence. Co-Authors of the new book, "Raising Your Money-Savvy Family for Next Generation Financial Independence", Doug Nordman and Carol Pittner explain how this type of planning helped their family achieve financial independence.

Also, BusyKid's Gregg Mursett shares how their chore and reward app helps the financial literacy process and gets your kids working and earning fast. 

Think your child is better suited for a career in the trades instead of traditional college?

Find out how your teen can earn a high paying job with no college degree from Ken Rusk, Author of "Blue Collar Cash". He discusses six-figure career options for your teenager and why selecting a college for the "experience" might be something to think twice about.