Yes, you are smarter than a 6th grader! Impart your wisdom and knowledge to your future adult now, while your influence is high. I urge you to use this highly effective teaching style; invite a conversation and add an activity when possible.
Your child may be more techno savvy than you, but you know the risks of the cyber world: reputations ruined, internet bullying, cookies holding history, loss of privacy, predators, and exposure to undesirable information. Teach your child to use high privacy settings, set multi-level passwords, disallow cookies, download as few apps as possible, and post only those things which you and grandma would approve. Set boundaries because they are needed. And yes, let your child know you are monitoring their digital activity because it is part of the privilege you’ve given them of having a device and being online.
May I suggest you do a google search on yourself to see your digital footprint. Use it to illustrate what’s out there and the value of privacy and safety with your child.
Your achievements are a result of your accountability and responsibility. You developed study habits, delayed gratification, and recovered after disappointments. Weave your stories about how these affected you buying your first car, earning an award, and maximizing opportunities that came your way. Create an interactive dialogue on the drive to school, at the dinner table or doing chores. Share your wins and how you overcame challenges. Ask your child what they would have done in particular situations before they learn your outcome.
You know more about money than your child. Share your personal finances, money management, and budgeting systems. Take your child to the bank, with their Social Security card and cash, to open a savings account. It’s a more powerful experience than opening an account online. While you’re at it, explore the benefits of saving for a specific item, college education, and a rainy day.
May I suggest doing this math problem together: compare the cost paying cash for a $500 laptop with the cost of paying it off over six months with the interest charge of 20% on a credit card.