Katie: I’m BORED! I want to go to Monkey Joes.

Mommy: Sorry honey, Monkey Joes is closed now.  I need to go to Target though.   Do you want to come?

Katie: Can I buy a toy?

Mommy: No.

Katie: With my own money?

Mommy: Sure.

Katie: Never mind.

Mommy: You don’t want to spend your money?

Katie: No. I am saving it to buy a phone.  How much is a phone?

Mommy: Probably $100.  But you still have to pay the monthy service which costs money.

Katie: Uggh… I can’t wait till I can get a credit card!

(John and I laughing-then of course a nice responsible conversation about credit cards and getting a job to pay them!)