There will be moments when your child shares a huge dream—like going to the NHL or attending university in a different country—and you’ll have to find the balance between validating their dream and not crushing their spirit. As moms, we want to support their hopes, but we also know that life has a way of teaching the tough realities. So how do you encourage their big ideas without shattering their confidence—especially when one of those dreams involves a major financial commitment? What’s the right balance between “you can do anything!” and “maybe consider a backup plan”?

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