Which would you rather have:  an iPad or a blanket?  This morning, eating breakfast with my family, this was the topic.  We are days away from Christmas, and I have children ranging in age from 4 to 11, and we get a discussion about value?  It was interesting and eye-opening for me.  For a moment I was having flashbacks to reading Money Mastery by Billy Epperhart or being in a Wealthbuilder’s conference.  I could hear his Texas drawl in my head, “Ladies and gentlemen you have to understand the difference between cost and value, they’re not the same thing.”  I remember writing that down.  I even remember sharing that with my friends.  I don’t think I really understood it until today.  Someone on social media shares a letter to Santa this morning that says (in youthful grammar), “Dear Santa, I have been good.  I would like a ball and some food.  I need a blanket.” (more…)