When your kids become young adults Help them set up their own DAF: As your kids become young adults, it's a great time to help them set up their own Donor-Advised Fund (DAF) with Daffy. This will allow them to continue the habit of giving that they've developed over the years, and it will also give them a sense of ownership and responsibility over their own finances. Teach them about credit: Credit is a crucial part of personal finance, and it's important for young adults to understand how it works. You can explain the importance of building good credit, how to use credit cards responsibly, and the potential dangers of debt. Encourage them to save for retirement: It's never too early to start saving for retirement. You can explain the benefits of starting early, such as the power of compound interest, and help them set up their own retirement account. In conclusion, long-term patterns of behavior in personal finance are significant because they lay the foundation for financial responsibility and independence. By teaching your kids about personal finance from a young age, you're setting them up for a successful financial future. And by using tools like Daffy, you can make the process of teaching and learning about personal finance fun and engaging. Daffy is a great option for a DAF because it's easy to use, it encourages charitable giving, and it can be a valuable tool for teaching kids about money management.