[threeio]

I did this for a year or two when my first kid was born... I assigned penalty dollars with actions that I knew weren't good for me... didn't run for a week (outside of travel) 10$ to the kids account... stopped for fast food as opposed to having a real meal, 10$.

It was surprisingly effective for what was a stressful time and in the end gave some real benefit to their compound interest long term... all because I was being lazy and grabbed a burger for lunch :)