Being a business owner is rewarding, but it doesn't come without challenges, especially when income isn't consistent. Is your income seasonal? Does it come in lump sums once jobs are complete? These are common realities for many entrepreneurs across many different industries.

This inconsistency can make it incredibly difficult to manage your finances. How much should you be reinvesting in the business? When do you pay yourself? How do you prepare for expenses like taxes, insurance or stock?

You never stop being a parent, and even your adult children may need some advice about their finances as they face new hurdles and begin thinking about their long-term goals.

You lay the foundations for adulthood during your teenage years, and learning how to manage your finances is a vital part of this.

You may assume that children don’t need to learn about money until they reach their teenage years and become more independent.