10 Unexpected Ways a Homeschool Family Emergency Fund Can Save Your Sanity and Keep Learning on Track

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What happens when your laptop dies

at 9:00 AM and you have an important

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zoom call in 30 minutes, or you

drive out your neighborhood for an

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exciting road trip and your car dies.

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It's the alternator and you've gotta

get it fixed right away because it's

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your only means of transportation.

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If these scenarios make your stomach

drop, this episode is for you.

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Today we're talking about the one

financial tool that keeps homeschool

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work from home families from

completely unraveling when life does

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what Life does best throws curve

balls at the worst possible moment.

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Intro: A fast growing number

of parents are starting their

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homeschooling journey while others

have been homeschooling for years.

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All of these parents are asking one big

question, how can I afford to homeschool?

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We are here to answer that

important question once and for all.

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Hi, I'm Crystal Obby.

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And I'm Anthony Obby.

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We've been homeschooling our five

kids for 13 years and we funded it.

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Through our online consulting business

that we've been running for over 17

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years now, we're combining Crystal's

financial coaching expertise with my

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digital marketing background where I help

entrepreneurs launch and sell online.

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We're here to help fellow homeschooling

parents self-fund their homeschool

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journey and create lifestyle businesses.

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For financial freedom without a nine to

five job, are you ready to start living

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life on your own terms and make your

homeschooling experience a lot more fun?

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Well then sit back, crank up

the volume, and enjoy this

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episode of Homeschool Money.

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Hey, what's up guys?

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Welcome to the show.

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I am your host, Anthony Obie.

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I'm Crystal Obie.

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Okay, so let's start with the basics.

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An emergency fund is simply cash.

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You keep separate from your

regular spending money,

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usually in a savings account.

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You don't touch unless

something genuinely goes wrong.

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Think of it as a buffer

between you and disaster.

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Here's what it is.

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It's money for unexpected expenses like

broken equipment, sudden medical bills,

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job loss, or an urgent educational need.

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It's your financial shock absorber.

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Now, here's what it's not.

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It's not for vacations Christmas

presents or that curriculum

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sale you've been eyeing.

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It's not an investment

account trying to grow wealth.

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It's just boring money that sits

there waiting to rescue you.

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And how much should you have?

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Start with a thousand dollars

if you're just beginning, that

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covers most small emergencies.

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Your ultimate goal, three to six

months of essential expenses.

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So if your income disappeared

tomorrow, you could keep the lights

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on, feed your family, and maintain

your homeschool for several months

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while you figure things out.

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For homeschool families who work from

home, I actually lean towards six months

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because remember, you're protecting

both your school and your income source.

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Now let's talk about why this matters

so much for families like ours.

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Here are 10 emergency fund reasons

tailored specifically for homeschool

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families who work from home.

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Number one, curriculum pivot fund.

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When a curriculum completely bombs

mid-year, and that does happen, you

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need money to switch without guilt.

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That 500 to $800 pivot keeps your

homeschool year on track without

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derailing your grocery budget.

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This is such a common.

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Occurrence that happens

with homeschool families.

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You, you start the year off and you've got

this great curriculum, you're all excited.

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That's like literally one of the

funnest things to do is when it's the

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back to school time and you're like,

okay, what am I gonna do for math?

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What am I gonna do for science?

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What am I gonna do for this?

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And you buy all this great stuff

and you get all set up and you

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got all the back to school or like

how we do the not back to school.

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And then you got it all

set up, get it going.

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And then the kid doesn't like it, or

they just really can't understand it

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because kids have different learning

needs and one curriculum could work

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really great for your firstborn,

but then your second kid comes along

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and they just can't understand it.

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And one of the benefits of homeschooling

is that you have the ability.

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To change in the middle of the year.

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You don't have to run that kid

through that curriculum and just

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make 'em push hard through it.

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You can change and do something

different, but the problem is, is

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you've already spent all that money.

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Yeah.

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And you're like, oh man,

my kid's not learning.

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But I spent all that money

and we're already on a budget.

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So I can't justify doing

something different.

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Well, if you have a emergency

fund for this type of thing, or

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if you just at least understand

that this happens to every family,

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that you'll be okay realizing that

you might need to make a change.

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And there are ways to get

rid of curriculums that

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you are not using anymore.

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You can consign them, you can trade

them, or you could save 'em for maybe the

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third kid, because sometimes it's just.

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Two of your kids may like it

and two of your kids don't.

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There's lots of different ways to still

get the value out of your money that

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you spent on curriculums, but you don't

have to feel guilty because you're

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trying to do the best for your child.

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The most important thing to do

is make sure that your child is.

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Actually learning from the curriculum.

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Otherwise, we're just making purchases

of paper and computer, so softwares

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and things that are just useless.

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We wanna stay effective and

make sure that it's really

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getting the result that we need.

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So that emergency fund lets you

feel comfortable with doing that.

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That's good.

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1 Comm: Hey, real quick, if you're liking

the show, hit follow so you don't miss

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a single episode and drop a five star

rating and a review to let us know that

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you're loving the content and tell us

what topics you'd like us to cover.

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This will help more people find

the show, and please share this

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episode with a friend, your

co-op, or anyone who needs it.

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They'll be glad you did.

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Now, back to the show.

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Number two, the co-op collapsed

safety net homeschool co-ops

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fold unexpectedly sometimes.

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Teachers move facilities

close drama erupts.

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You need funds to quickly replace those

science labs, art classes or PE programs

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your kids have come to depend on.

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This happens every year.

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You sign up for a program, you think

you've got your whole semester lined up.

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You're like, we're on Monday, we're

gonna be here Tuesday, we're gonna be

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here Wednesday, we're gonna be here

Thursday, we're gonna be here, and

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Friday we're gonna do this for fun.

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And then halfway through a teacher moves

or a facility changes, or maybe you

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just aren't meshing well with the other

families or just some kind of reason.

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That maybe you're not able to

keep doing the same activity

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and now you need to replace it.

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So where you were going to one

side of town doing something on a

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Tuesday, now you need to replace

that with something else or maybe

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even do a different activity at home.

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But there's some kind of reason that

you need to make a change and you

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need to be able to be prepared to do

that because it may be the difference.

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Between your child having an

activity where they can have

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friends or not have friends.

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And so you don't wanna be limited

because you weren't prepared

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with your emergency fund.

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You wanna be able to say, Hey, if it

doesn't work out here, 'cause we've

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done that, we've signed up for programs

that we thought this looks amazing.

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This is where we're gonna be and this

is where we're really gonna connect.

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And then we get there and one big

thing it'll turn out that maybe.

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They're, we have, you know, we have

some boys and it's like all girls, and

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they're like, you know, eight years

old and we're like, well, we need

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some older boys, or it's all older

boys and we need some younger girls.

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So it may not even be a negative thing.

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It just may be a thing about alignment

in age or interest and things like that.

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Either way.

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You wanna be prepared to be able to

make that change and just, and because

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we have this flexibility in homeschool,

that's why you wanna be prepared.

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And so it can stay being a really great

opportunity and not be a frustration.

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'cause you don't want your kid

to have to lose a whole year of.

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Social activities because, oh, we

already paid for all this stuff

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and you, it doesn't exist anymore.

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We need to change.

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You want them to still be able to make all

the friends that they have, and one thing

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we find is there's way more activities

than you can even do or even pay for.

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There's lots of options, but there's

no options if you can't pay for them.

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That's right.

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Number three, work from

home equipment failures.

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So your laptop doesn't care that you

have a client deadline and spelling

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tests to grade when your equipment dies,

you can't wait for the next paycheck.

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You need it fixed or replaced immediately.

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To get income flowing again.

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Yeah.

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The, the equipment that you

use in homeschooling is a lot

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of the same equipment that

you use in your home business.

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You need desktop computers, you

need laptops, or you need, you know,

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iPads or phones, things like that.

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All these different things that

you need as well as printers.

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One thing that happened is when we

changed our internet provider one

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time, it threw off our printer.

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Yeah.

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And it was like, oh no.

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We can't print anything.

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And so, right.

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That's not a big deal since we work

digitally, like we don't have to have

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so much stuff printed, but the kids

really wanna print out things that

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they're using for their projects.

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Yeah.

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And worksheets and things like that.

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And so it wasn't a problem for

us in business that our printer

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was offline for a few days.

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It, it became a problem though, and

the school, and that's why we really

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saw all this stuff is really connected.

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And we wanna be able to make sure

that we can either hire a repairman

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or get a new piece of software that

is good with what we're working

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with or just whatever we need to do.

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We need to be able to keep everything

online, keep all systems running,

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and that is super important because

you don't want to lose days in your

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curriculum because one reason is that.

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Whenever you're able to keep going

at a good pace with your schooling,

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then when it comes time, there's a

day that you need to take a day off.

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You've already gotten the work done, but

if you start losing time because the kids

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couldn't work, then it means that later

on you won't be able to take time off.

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So just by being prepared, you

can save those sick days for the

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time when you actually need them.

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That's a really good point.

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So number four, the sick parent scenario.

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Unlike traditional school families,

when you're sick, everything

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stops education and income.

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An emergency fund lets you hire, help

order teaching subscriptions that

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run on autopilot or bring in a tutor

for a week without financial panic.

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There's so many scenarios where

a parent can be sick and that can

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knock everything offline as well.

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And one way that we've really experienced

this is that we've been homeschooling a

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lot of the time where I've been pregnant.

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And so at different

parts of the pregnancy.

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I mean, I remember times where I was doing

things and I just could not stay awake.

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And it's like I literally am so tired.

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I feel like my bones need to go to sleep.

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2 Comm: Hey, friend, quick break.

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If you're ready to fund your homeschool

without relying on a nine to five

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job, you have to check this out.

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We're giving you instant access to.

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Our free class is called Get 30,000

a year to Fund Your Homeschool

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In just 90 minutes, you'll learn

how to create consistent income.

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Afford a world-class education for

your kids and get the lifestyle freedom

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you deserve, that's gonna give you

more time to invest into the people

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that matter the most, your children.

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This is the system that changed everything

for us, and it's changed everything

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for hundreds of other families too.

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Go to homeschool money.com

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to register and watch the free

class on demand and get our

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newsletter full of tips and support.

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Don't wait.

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Your freedom starts right now.

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Yeah.

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And you just can't really describe

how tired you are when you're

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pregnant at certain times and even

after you've delivered the baby.

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It's like you can't even remember.

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It's like you need to read and

just leave a note for yourself.

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Remember how tired you were during this,

and so many of us moms try to do a whole

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lot of things and forget about that

tiredness, and so if you're homeschooling,

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it can be very tempting to just not

do anything because you're so tired.

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Also, whenever you have a new baby, I

mean the new baby is gonna take up all

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of your attention and time, and so.

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You're not gonna have the energy

and you're not gonna have just the,

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the bandwidth to be able to fully

focus on being able to homeschool

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unless you're really pushing forward.

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And so those are predictable times,

like, you know, if you're pregnant

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and you know, if you have a newborn,

but if you have something like.

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The flu that goes through the house.

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Like what happened with us one

time, it knocked off our whole

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year because we all just passed

through a sickness one February.

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Yeah.

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And it was like, and since that's the

time of the year where we also have a lot

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of birthdays, anniversaries, and things

like that, we got behind on celebrations.

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Yeah.

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And curriculums and everything.

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And so we had to tap into every resource

we could to get the kids back on track

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and just get our whole life back on track.

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And so being able to.

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You know, get a, get a computer software

if you, if you lose online things.

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Educational tools.

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Or get some books, some books that you,

the kids can work through and workbooks if

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you don't want them to be on the computer

or a, a tutor or some kind of class.

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Like we've, we've

outsourced so many things.

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We've gone to science classes,

math classes, reading classes.

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You know, we've done a lot of different

things to where that, to have extra

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support and not just us having to

educate the children, but you need

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to be able to do that and not just

be available for free resources.

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You need to have some money set

aside to be able to do that.

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And there are gonna be times where.

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Maybe it's not even just being sick.

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It may be you're just overwhelmed

and so mentally tired and

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you just need the support.

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Like I would just be

completely overwhelmed if I

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had to focus on doing math.

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I'm so glad we have

great resources for math.

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Yes, that's right.

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Number five, the unexpected

educational assessments.

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Sometimes you may discover mid-year

that your child needs dyslexia

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testing, or occupational therapy

evaluations, or gifted assessments.

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These aren't covered by insurance,

and they can run anywhere from

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500 to $2,000 or more, but

early intervention is important.

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Not only is it important because you need

early intervention, but many times the

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intervention that you can get, they need

you to have this evaluation or assessment

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to prove that your child needs the help.

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And that's what people don't think about.

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They think that just because their

child needs some extra help, they

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can just go, Hey, I need help.

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Let me sign up and get this help.

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No, that's not how it works.

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Organizations in order to help you.

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Need to prove that you are eligible for

the support that you're signing up for.

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And they do that through these

assessments and evaluations.

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And then in order to get that

designation, you have to go and

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pay an organization that will.

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Evaluate your child, give you the

paperwork that you need in order

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to tap into the many resources that

are available, and those resources

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that are available could literally

be the difference between your

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child feeling confident about their

education, confident about themselves,

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and confident about their future.

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You don't want to sleep on the

resources that are available

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for a child that needs help.

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You really need to take the time,

think about it, and realize that.

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You could be dealing with something

one day and then something unlocks

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and you say, you know what?

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That has been the problem.

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And overnight, now you're on this

path of evaluations, assessments,

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and months later you've got help.

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It's, it can happen very

fast, but it will be.

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So slow if you're not able to go

and get the help that you need.

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'cause a lot of times when you're

with your child, they may do something

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and you're just so used to them

doing it that you don't realize

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it's something they need help with.

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And that could be in the way they

learn, or the way they speak, or just

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the way they, they do different things.

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And once you get into an envi, an

environment where they have an evaluation,

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you're like, oh, that's what it was.

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And now I can get some help.

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You want it to be, I found out

about it and now I can get help.

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You don't want it to be I found out about

it and I couldn't get help for two years

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: 00:16:23

because we didn't have the resources to

do it or didn't know how to, to get it.

313

: 00:16:27

That's right.

314

: 00:16:27

We had that exact scenario

happen with one of our children.

315

: 00:16:31

You had a suspicion that

something was going on with, with

316

: 00:16:35

him, and it was because we had

the, the, the money set aside.

317

: 00:16:40

That you were able to go and

get that you know, diagnosis you

318

: 00:16:45

know, done and completely Yeah.

319

: 00:16:46

The diagnosis as well as the solution.

320

: 00:16:48

Yeah.

321

: 00:16:48

And I was able to say, Hey,

I want first available.

322

: 00:16:51

That's right.

323

: 00:16:51

And not, you know, Hey,

let me get it together.

324

: 00:16:54

I was able to say, okay, this is an issue.

325

: 00:16:56

Let's get first available.

326

: 00:16:58

And make it the most

comfortable experience possible.

327

: 00:17:00

Yeah.

328

: 00:17:01

And it was a multi-thousand dollar Yeah.

329

: 00:17:02

Thing that just came unexpectedly

out of school at Christmas time.

330

: 00:17:05

At Christmas time.

331

: 00:17:07

You know, everything's at Christmas time.

332

: 00:17:08

Right, right.

333

: 00:17:09

But, but having an emergency fund,

which is a part of our plan our

334

: 00:17:14

financial, like a fundamental part of

our financial management we had the

335

: 00:17:18

funds available to be able to get that

taken care of as soon as we realized.

336

: 00:17:21

There was an issue and so this

is crucial for your family and

337

: 00:17:27

for your kids and everything.

338

: 00:17:28

Number six, field trip

opportunities that cannot wait.

339

: 00:17:33

Last minute educational

opportunities pop up.

340

: 00:17:36

A homeschool group gets museum tickets.

341

: 00:17:39

NASA announces a local event.

342

: 00:17:43

A marine biology boat trip has openings.

343

: 00:17:46

These once in a lifetime

learning experiences.

344

: 00:17:50

Require immediate payment.

345

: 00:17:52

There have been multiple times where we've

had fun activities come up that, where it

346

: 00:17:56

sounds so amazing, but it's like, we gotta

hurry up and buy these tickets because

347

: 00:18:00

there's, there's limited opportunity.

348

: 00:18:02

Yeah.

349

: 00:18:03

And so we don't have time to look

and plan and think, and him and haw.

350

: 00:18:07

We have to go ahead and sign up for these

tickets, and you can have your whole

351

: 00:18:11

school year planned out and you know, Hey,

we wanna do this activity, we want this

352

: 00:18:15

membership, we want this, we want that.

353

: 00:18:17

But whenever certain activities

come up and you have to make

354

: 00:18:20

a move, it's important to

know that that's gonna happen.

355

: 00:18:23

And then also to know that there's

margin in your budget so that you

356

: 00:18:26

can be able to take advantage of them

and just having that emergency fund.

357

: 00:18:30

Unless you be able to do that.

358

: 00:18:31

That's right.

359

: 00:18:32

Number seven, the home office

or homeschool space emergency.

360

: 00:18:37

So let's say your HVAC dies

in the summertime and we're in

361

: 00:18:41

Texas, so that's a lot of heat.

362

: 00:18:43

Your roof leaks over the school room

or the internet goes out for days.

363

: 00:18:50

You are not just fixing a house problem,

you are restoring your workplace

364

: 00:18:55

and your classroom at the same time.

365

: 00:18:58

This happens to all my

friends and happens to us too.

366

: 00:19:01

Because you gotta think about it.

367

: 00:19:03

If you're something is not working in

your home, it's not just about getting

368

: 00:19:07

it fixed and your home functioning,

the way that it really messes up your

369

: 00:19:12

homeschool is that, hey, if you're using

a certain room for homeschool and now

370

: 00:19:15

it's flooded, not only do you lose that

space, but you also lose the materials.

371

: 00:19:20

We're in that space.

372

: 00:19:21

Or let's say you're, you have a room

and that air conditioning went out.

373

: 00:19:25

How are you gonna teach kids in a

room where everybody is sweating

374

: 00:19:29

because it's a hundred degrees?

375

: 00:19:31

It's just not even safe,

especially if you have a baby.

376

: 00:19:34

And so the limiting your space

and limiting your resources of

377

: 00:19:38

your materials and things, it

can really just throw you off.

378

: 00:19:41

And so you wanna fix

those things immediately.

379

: 00:19:43

If you were, if your kids were going

to a school and it flooded or it

380

: 00:19:47

was burning up hot, you would be

throwing a fit if your kids had to

381

: 00:19:51

try to learn in that environment.

382

: 00:19:52

And so you can't always get

everything fixed immediately.

383

: 00:19:56

Because you do have to wait a few

days for the repair guys to come

384

: 00:19:59

and do the estimates and order

the parts and all that thing.

385

: 00:20:02

We've dealt with all that as well.

386

: 00:20:04

But you do wanna get it done as soon

as possible because ultimately we want

387

: 00:20:08

to keep our learning environment up and

running as well as our living environment.

388

: 00:20:13

And whenever you're working from

home, it's your living, your working,

389

: 00:20:17

and your schooling environment.

390

: 00:20:18

That's That's right.

391

: 00:20:19

There's three facilities

being ran in here.

392

: 00:20:21

That's right.

393

: 00:20:21

Somebody needs to get

out here and fix stuff.

394

: 00:20:23

We gotta have our stuff, right?

395

: 00:20:24

Yeah.

396

: 00:20:25

Let's go.

397

: 00:20:28

3 Comm: Hey, I hope

you're enjoying the show.

398

: 00:20:30

We'll get right back to the

discussion, but I do want to talk

399

: 00:20:33

high level with you real quick.

400

: 00:20:35

You see, transforming your

finances so you can self-fund your

401

: 00:20:38

homeschooling journey without a nine

to five job takes a roadmap, right?

402

: 00:20:42

And you may be wondering,

where do I even start?

403

: 00:20:46

Start at step one.

404

: 00:20:47

Our Homeschool Money Makeover

program breaks it down into five

405

: 00:20:51

practical steps that help any family

achieve a financially abundant.

406

: 00:20:56

Homeschooling lifestyle.

407

: 00:20:58

Step one, install the

abundance Operating system.

408

: 00:21:02

Most people believe that they

need two, nine to five jobs to

409

: 00:21:06

make it in America the truth.

410

: 00:21:08

With all the technology and the tools

available today, there's never been an

411

: 00:21:12

easier time to generate six figures.

412

: 00:21:15

A year in income working just 15

to 20 hours a week than today.

413

: 00:21:20

When you have a strong why for

homeschooling and you know the

414

: 00:21:23

real costs, you unlock the courage

that you need to become a money

415

: 00:21:28

magnet without a nine to five job.

416

: 00:21:30

Step two, get crystal clear about what

you're gonna do with your first $1,000

417

: 00:21:36

that you make outside of your day job.

418

: 00:21:38

Write down specific homeschool needs

that a thousand dollars can cover.

419

: 00:21:43

Yes, this is a small amount, but if

you can learn how to set a target

420

: 00:21:48

of make your first thousand dollars

outside of your nine to five job,

421

: 00:21:51

that's going to set a fire in your belly

and the determination that you need.

422

: 00:21:56

To make the next a

hundred thousand dollars.

423

: 00:21:59

Step three, find all the money

falling through the cracks in

424

: 00:22:03

your budget with Crystal's.

425

: 00:22:05

Three financial coaching certifications.

426

: 00:22:07

Listen, she's gonna help you be able to

streamline your budget and free up money

427

: 00:22:12

without sacrificing your favorite things.

428

: 00:22:15

You can't build a strong financial

future with money falling

429

: 00:22:18

through your pockets, right?

430

: 00:22:20

So let's plug up the leaks.

431

: 00:22:21

Step four.

432

: 00:22:22

Discover new ways to make money

and claim free money available

433

: 00:22:26

for homeschooling families.

434

: 00:22:28

We discuss grants scholarships,

proven fundraising opportunities

435

: 00:22:33

that Savvy Homeschoolers are using,

and we show you how to use them too.

436

: 00:22:37

Step five, launch or Scale your

Moneymaking Success System to completely

437

: 00:22:42

replace your nine to five job income.

438

: 00:22:45

Whether it's a side hustle, a freelance

work, or a new business, identify

439

: 00:22:51

your single most viable opportunity

and turn that into $3,000 in income.

440

: 00:22:56

$5,000, $10,000 a month in

income or whatever you need

441

: 00:23:01

to feel financially abundant.

442

: 00:23:03

Implementing these five streamlined

steps will make you feel more

443

: 00:23:08

financially empowered than ever before.

444

: 00:23:11

You'll gain the momentum that

you need by step number five

445

: 00:23:14

when you're making more money.

446

: 00:23:16

You're going to feel

unstoppable financially.

447

: 00:23:19

Through our marketing consulting

business, we've helped literally

448

: 00:23:22

hundreds of entrepreneurs

build online selling machines.

449

: 00:23:25

That's what we do in our business life

and launches, and we share our million

450

: 00:23:29

dollar automated selling system with you.

451

: 00:23:32

Inside the Homeschool

Money Makeover program.

452

: 00:23:36

Inside the course, you're gonna get

all the video lessons, worksheets,

453

: 00:23:40

templates, and guides that you need

to walk through all five of the

454

: 00:23:46

steps to transform your finances.

455

: 00:23:49

And right now, during our special

introductory offer period,

456

: 00:23:52

you'll get bonus gifts plus our

lowest enrollment price ever.

457

: 00:23:56

Making it easy to enroll and make

your first thousand dollars back.

458

: 00:24:00

Fast.

459

: 00:24:01

Go to homeschool money.com

460

: 00:24:03

to watch our free class, and then you're

gonna get an inside look at the full

461

: 00:24:07

Homeschool Money Makeover program.

462

: 00:24:09

Don't wait.

463

: 00:24:10

Go to homeschool money.com

464

: 00:24:12

to start the free class and enroll

into the full program today.

465

: 00:24:20

Number eight, portfolio

testing deadline crisis.

466

: 00:24:26

If your state requires annual assessments

or portfolio reviews, you might

467

: 00:24:31

suddenly need to hire an evaluator.

468

: 00:24:34

Print extensive documentation,

or pay for standardized testing.

469

: 00:24:39

When free options fall through.

470

: 00:24:41

Now here in Texas, we don't have to do all

that, but there's many states that you do,

471

: 00:24:45

and that's important because that can keep

your right to homeschool actually active.

472

: 00:24:50

If you don't stay on top of

the requirements in your state,

473

: 00:24:53

you could lose the opportunity

to even homeschool your child.

474

: 00:24:56

And you do not wanna

start messing with that.

475

: 00:24:58

Right?

476

: 00:24:58

And then also, if you have your child

getting ready for college, you're

477

: 00:25:02

gonna have to be documenting things

to make sure that they have what they

478

: 00:25:05

need to be able to start dual credit.

479

: 00:25:07

Or to apply for scholarships or to

get enrollment into college, you have

480

: 00:25:11

to stay on top of your paperwork.

481

: 00:25:13

And so if they say, Hey, your kid

could apply for this scholarship,

482

: 00:25:17

and there's a lot of money out here,

especially for homeschoolers now.

483

: 00:25:21

You need to be able to prove the

work that they've done, the learning

484

: 00:25:24

that they've done, and be able to

get that turned around quickly.

485

: 00:25:27

Because you know how it is somebody,

you're out and you're at the park,

486

: 00:25:31

how we'll do, or you're out to dinner

with another family and they're

487

: 00:25:34

like, Hey, you should hear about this

program, and how is it, it's always,

488

: 00:25:38

but the deadline is in two weeks.

489

: 00:25:39

Yeah.

490

: 00:25:39

Or the deadline is in one month.

491

: 00:25:41

It's never like, oh, the

deadline is in like two years.

492

: 00:25:43

You got plenty of time.

493

: 00:25:44

It's always like, you

better get on it quick.

494

: 00:25:46

Well, of course most of the moms

I know, they'll stay up late.

495

: 00:25:49

They'll do whatever they need

to do to get the paperwork done.

496

: 00:25:52

But those registration fees, those

filing fees, those evaluation fees,

497

: 00:25:57

whatever it is, you need to have the

money available so that that way your

498

: 00:26:00

kid can take advantage of all the

resources that are available to them.

499

: 00:26:04

That's right.

500

: 00:26:05

Number nine, the child's

interest explosion fund.

501

: 00:26:10

So let's say you're a 10-year-old.

502

: 00:26:12

Suddenly discovers a passion for

robotics or microscopic or coding.

503

: 00:26:18

These interests are educational

gold, but they require immediate

504

: 00:26:23

investment in materials and classes

while the motivation is high.

505

: 00:26:27

Yeah.

506

: 00:26:27

You know, the kids never have an

explosion of interest and stuff that's

507

: 00:26:32

just free and laying around in nature.

508

: 00:26:33

Yeah.

509

: 00:26:33

Like, oh, you know, I wanna

make things outta leaves.

510

: 00:26:36

Right.

511

: 00:26:36

It's like, oh no, I wanna build

everything outta Lego, you know?

512

: 00:26:40

Right.

513

: 00:26:40

Yeah.

514

: 00:26:40

And I need like 4,000 more Lego.

515

: 00:26:42

Yeah.

516

: 00:26:42

Right.

517

: 00:26:43

And so whatever your child is interested

in, it comes with all this extra stuff.

518

: 00:26:47

You gotta get, like if you just,

your child plays the guitar,

519

: 00:26:50

like one of our childrens do.

520

: 00:26:52

They, you gotta have the guitar, you gotta

have the picks, you gotta have the bag,

521

: 00:26:55

you gotta have the stand, you gotta have

the carrying case, you gotta have music.

522

: 00:26:59

You gotta have, you gotta have classes.

523

: 00:27:00

You gotta have classes.

524

: 00:27:01

Isn't that You got the, the group classes.

525

: 00:27:03

You gotta have the, the,

the private lessons.

526

: 00:27:05

That's right.

527

: 00:27:06

All these things that come along and

you think, oh, and now we're already

528

: 00:27:09

looking at going from acoustic guitar

to electric guitar, which means we're

529

: 00:27:13

gonna have an amplifier and all this.

530

: 00:27:15

And I've been inspired and

I want my bass guitar now.

531

: 00:27:18

Oh my God.

532

: 00:27:18

Come on.

533

: 00:27:18

Stop, stop it.

534

: 00:27:20

We should say that too.

535

: 00:27:21

That should be like, like number nine B.

536

: 00:27:24

Yeah.

537

: 00:27:24

'cause your child gets inspired

and then that inspires you.

538

: 00:27:28

Right Now you wanna do

more stuff too, right?

539

: 00:27:30

The whole family wants to learn.

540

: 00:27:31

So yeah.

541

: 00:27:32

So basically whenever you're

homeschooling Jackson five up in here.

542

: 00:27:36

I know the, the more you learn and

the more opportunities you have.

543

: 00:27:40

Your children are so into

learning, that all comes with

544

: 00:27:43

materials that need to be bought.

545

: 00:27:45

And so you wanna be able to say,

Hey, you're interested in this and

546

: 00:27:49

it actually turned into something

that you wanna pursue more.

547

: 00:27:51

Let's go ahead and be able to invest

in it, and we can, because we have

548

: 00:27:55

a little extra margin in our budget.

549

: 00:27:56

Yeah, that's good.

550

: 00:27:58

Finally, number 10, family

emergency schooling flexibility.

551

: 00:28:03

So when a family emergency requires

travels, for instance, aging parents

552

: 00:28:09

or a family crisis, you need funds

to either bring school on the road

553

: 00:28:14

and that includes your tablets,

portable curriculum your audio books,

554

: 00:28:19

or pause and hire catch up help.

555

: 00:28:22

When you return, traditional

schools have substitute teachers.

556

: 00:28:27

You need substitute solutions too.

557

: 00:28:29

Whenever you need to go out of town

in order to care for a loved one or.

558

: 00:28:35

Take advantage of an opportunity

that may be in another state or

559

: 00:28:38

just, you know, something like that.

560

: 00:28:40

You have the flexibility to be able to

say, Hey, we're gonna stop homeschooling

561

: 00:28:44

right now and catch up when we get back.

562

: 00:28:46

Or you could road school.

563

: 00:28:47

Yeah, take it on the road.

564

: 00:28:48

Yeah.

565

: 00:28:48

Which is super fun.

566

: 00:28:49

Unless you be able to stay longer, like

when we go back home to my hometown.

567

: 00:28:53

We're able to take, you know,

ourselves on the road and be like,

568

: 00:28:57

Hey, we're gonna actually integrate a

lot of our learning into our travels.

569

: 00:29:02

Mm-hmm.

570

: 00:29:02

So we're not gonna do our regular thing.

571

: 00:29:04

We just kind of say, Hey, this is what

we're gonna learn here where we're

572

: 00:29:07

going and not do the regular stuff.

573

: 00:29:09

So with some proper planning,

you can do that, but that also

574

: 00:29:12

means now you gotta invest in some

other materials for that trip.

575

: 00:29:16

Mm-hmm.

576

: 00:29:16

And so.

577

: 00:29:17

Being able to have emergency flexibility

is a huge way that you can make sure

578

: 00:29:23

that your kids are learning and that

your experience is very fruitful.

579

: 00:29:27

And so, but that also that takes, you

know, an investment and so you can, like

580

: 00:29:31

you said, either pause and catch up on

your regular work when you get back.

581

: 00:29:36

Or you can turn the trip into a

different learning experience,

582

: 00:29:39

which is what we like to do.

583

: 00:29:40

'cause I'm like, I know I don't wanna

take the same stuff on the road.

584

: 00:29:44

Let's go and learn on the road.

585

: 00:29:46

Mm-hmm.

586

: 00:29:46

But that means we kind of have to

create a micro curriculum within.

587

: 00:29:51

That what we're already doing.

588

: 00:29:53

And so that takes extra

money and extra planning.

589

: 00:29:55

And so if, if somebody was to call

and say, Hey, we need to get outta

590

: 00:29:59

town right now, there's an emergency.

591

: 00:30:01

We would not be nervous and

we would not be afraid of our

592

: 00:30:04

children not being able to learn.

593

: 00:30:05

We know that.

594

: 00:30:06

We know how to handle it and

we'd be able to pay for it.

595

: 00:30:09

that's right, crystal.

596

: 00:30:10

So these reasons speak to the unique

vulnerability of having your education

597

: 00:30:15

system, your childcare, and your

income source all under one roof.

598

: 00:30:21

And that's why that triple threat

requires a robust financial cushion, and

599

: 00:30:26

that's what we call the emergency fund.

600

: 00:30:29

Outro: If you like today's episode,

make sure you tap the follow button

601

: 00:30:33

so you never miss a thing, and if it

help you share it with a friend or your

602

: 00:30:37

homeschool group sharing is caring.

603

: 00:30:39

Do you love free stuff?

604

: 00:30:41

Like me?

605

: 00:30:42

Sign up and watch our free games

class called Get 30,000 a year

606

: 00:30:46

to Find Your Homeschooling.

607

: 00:30:47

With our nine to five job, when you sign

up, you'll gain instant access to a class

608

: 00:30:53

and you'll get our weekly newsletter.

609

: 00:30:54

For tips and strategies to make your

homeschooling journey affordable,

610

: 00:30:59

go to homeschool money.com

611

: 00:31:01

and register right now, ready

to get your homeschool money.

612

: 00:31:05

Head over to homeschool money.com

613

: 00:31:07

to enroll in the full Homeschool

Money Makeover course.

614

: 00:31:11

You'll get the tools, templates,

and step by step help to

615

: 00:31:15

find your first $1,000 fast.

616

: 00:31:18

And create 30,000 or much more every year.

617

: 00:31:21

Each module of this program is designed

to transform your finances and help you

618

: 00:31:27

experience financial abundance, so you

have the flexibility and lifestyle freedom

619

: 00:31:33

to homeschool your children with a nine

to five job and without sacrificing.

620

: 00:31:39

And right now we have an amazing limited

time offer that gives you huge savings

621

: 00:31:45

and bonus gifts you're going to love.

622

: 00:31:47

Go to homeschool may.com

623

: 00:31:49

to enroll today, and don't forget

to give us some love with the

624

: 00:31:53

five star rating and review.

625

: 00:31:55

It'll help more people find ourselves.

626

: 00:31:57

Have a great day.

627

: 00:31:59

Bye.