👨‍👩‍👧‍👦 Family Plan
Updated
S

Sydney

Born Oct 23, 2006 · Age 19 · Community college student
⭐ Become a licensed funeral director — and keep broader career options open
📍 Overview
🎓 School & Career
🧠 Wellness
🚗 License & Adulting
💰 Money
📄 Transcript
Time at home
~1 yr
Until possible transfer
Driver's License
0%
Practice hours logged
Weekly habits
0/21
Sleep · Eat · Move
CA Mortuary Programs
2
Cypress · Am. River

This semester — action items

    📝 Notes & decisions log

    🎓 Education path — keep two doors open

    Sydney wants to be a mortician. CA only has two accredited mortuary science programs. The plan: get the credential to actually do the job, AND stack a BS that gives her flexibility later (own a funeral home, pivot to grief counseling, public health, etc.).

    Path A — Mortuary Science (direct)
    StepWhere
    AS Mortuary ScienceCypress College
    —or— AS Funeral ServiceAmerican River College (distance ed available)
    Apprentice Embalmer (2 yrs, 100+ embalmings)Any CA licensed funeral home
    Pass CA Embalmer + Funeral Director examsCA Funeral Bureau (cfb.ca.gov)
    Path B — BS to broaden options
    DegreeOpens up
    BS Funeral ServiceNew Cypress 4-yr pilot — direct industry leadership
    BS Business MgmtOwning/operating funeral homes
    BS PsychologyGrief counseling, bereavement services
    BS Biology / Public HealthMedical examiner, pathology, death investigation

    Sources: abfse.org · cypresscollege.edu · cfb.ca.gov · arc.losrios.edu

    🧠 ADD-friendly structure — sleep, eat, move

    For ADD, consistent biological routines are the highest-leverage intervention. Tap a circle to mark today done. Aim for 5+/7 in each row.

    😴 Sleep — in bed by ~11pm, 8 hours0/7
    🥗 Eat — protein + veg at breakfast & lunch0/7
    🏃 Move — 30+ min activity0/7
    Why these three? (ADD-specific notes)
    • Sleep first. Sleep deprivation mimics & magnifies ADD symptoms more than any other factor.
    • Protein at breakfast dampens the post-carb dopamine crash that makes focus harder mid-morning.
    • Exercise raises baseline dopamine — even a 20-minute walk before studying helps measurably.
    • Phone in a drawer rule for 1 study block per day is more effective than vague "less screen time" goals.

    🚗 California driver's license — adult track

    She's 18+, so no mandatory waiting period and driver's ed isn't required. Recommended: 50+ supervised practice hours (10 at night) before the road test.

      Practice hours logged (each square = 5 hrs, target 50)
      0 / 50 hours — click a square to log 5 hours

      Source: dmv.ca.gov · Fees: ~$38 written + ~$38 drive test

      🏠 Life skills before launch

      If she might leave home in ~12 months, these are the practical "adult basics" worth deliberate practice now.

        💰 Money basics — moving toward independence

        At 19, the highest-leverage financial moves aren't about earning more — they're about building the systems that compound: a credit profile, automated savings, and not paying for things you don't need.

          📊 Monthly budget (rough numbers)

          Type whatever's roughly accurate. Update monthly. The goal is awareness, not perfection.

          💵 Income (monthly)
          💸 Expenses (monthly)

          🎯 Savings goals

          📄 Official transcript

          Click any field to edit. Changes auto-save.
          M

          Maddie

          Born Sept 18, 2009 · Age 16 · Rising senior (homeschool · 2026-27)
          ⭐ A college where she can study business, play soccer, and spend a semester abroad
          📍 Overview
          📚 Academics
          📈 SAT Prep
          🏫 College & Career
          🌍 Study Abroad
          ⚽ Soccer
          🚗 License & Money
          Current SAT
          1020
          R&W 510 + Math 510
          Days to Common App opens
          Aug 1, 2026
          Days to EA / ED deadline
          ~Nov 1, 2026
          License hours
          0%
          Target 50 (10 at night)

          📅 Senior-year timeline (fall 2027 entry)

          Sources: commonapp.org · satsuite.collegeboard.org · studentaid.gov · ncaa.org

          📝 Notes & decisions log

          📚 AP scores & strategy

          2025 sitting (sophomore year): two 2s. Most colleges want 3+ for credit; selective ones want 4+. Naming this honestly so the senior-year AP decision is informed, not default.

          YearExamScoreWhat it means
          2025English Lit & Composition2Below the typical college-credit threshold. Skip reporting on most apps.
          2025Human Geography2Same — likely not worth reporting.
            Honest framing on senior-year AP load

            Two 2s suggests AP isn't currently her best signal of college readiness. For a homeschool senior aiming at D3 business + soccer (not Ivy-tier), dual-enrollment classes through a community college (Palomar, Mira Costa, UMD Global) are often a stronger signal than another AP attempt, AND they generate transferable college credit. Recommendation: pick 0–1 AP senior year (in a subject she's strongest in), and prioritize dual-enrollment for everything else.

            📜 Homeschool transcript & application package

            As a homeschooler, the parent is the "school counselor" on the Common App. This package replaces a traditional high school's documentation.

              When you upload Maddie's transcript here, we can review it against what selective colleges expect.

              🎓 Palomar College — free senior-year dual enrollment

              This is the strongest play for her senior year. Palomar's main campus is at 1140 W. Mission Rd in San Marcos — ~15 min from Fallbrook. As a CA homeschooler under 18, she qualifies for Concurrent Enrollment through the K-12 Special Admit program: tuition is waived ($46/unit normally), she only pays for textbooks. Limit: 7 units per semester (~2 college classes).
              Suggested business-track classes
              • BUS 100 Introduction to Business
              • ECON 101 / 102 Macro / Micro Economics
              • ACCT 100 or 201 Accounting
              • BUS 116 Business Mathematics
              • ITAL 101 / 201 / 202 Italian (continues her sequence)
              • MKTG / MGMT 100-level marketing or management

              A two-semester load could earn 12–14 transferable college credits BEFORE she starts college — strong signal for selective business programs.

              Enrollment checklist (do this summer)
                Why this beats more APs
                • Free college credit: Palomar classes transfer to UC, CSU, and most private universities. APs give credit only if she scores 3+ — her last two were 2s.
                • Real college transcript: Admissions officers see actual graded college work, not just a homeschool transcript with parent-assigned grades. Strongest external validator for a homeschooler.
                • Lower-stakes than AP: Pass = credit. No high-pressure single exam.
                • Skill match: She wants to study business. Taking actual business classes now confirms her interest (or reveals it isn't) before applying.
                • Italian path: Continues the language sequence she already has on her transcript with proven dual-enrollment Italian.

                Sources: palomar.edu/high-school-students · palomar.edu/enrollmentservices Special Admit · (760) 744-1150

                📄 Official transcript

                Click any field to edit. Changes auto-save.

                📈 SAT — current 1020 → target 1200+

                May 2, 2026 official sitting. Section scores below; domain bars show where she scored in each skill area. Tap a domain to see what's tested.

                Reading & Writing
                510
                ✓ Met benchmark (480)
                Math
                510
                ✗ Below benchmark (530)
                Reading & Writing skill domains
                Math skill domains
                Score history & retake log

                Log future sittings to see her trajectory toward 1200+.

                2026 SAT test dates: Aug 22 · Sept 12 · Oct 3 · Nov 7 · Dec 5. Fee $68 per sitting.

                🎯 SAT improvement plan — focus on her weak spots

                Where her score is actually losing points: Two domains scored 420–480 (everything else 470–600). Closing those two gaps alone is worth ~80–120 points — most of the way to her 1200+ target.
                📝 Priority 1: Expression of Ideas (R&W, 8-12 questions, 420-480)

                Tests transitions, rhetorical synthesis, sentence revision. Highly learnable — these are pattern-based questions.

                  📊 Priority 2: Problem-Solving & Data Analysis (Math, 5-7 questions, 420-460)

                  Tests ratios, percentages, scatterplots, tables, basic stats. Smaller question count but lowest current score.

                    Full study cadence (16-week plan to August retake)
                    • Diagnostic week: Take a full Bluebook test in real conditions. Note time pressure issues.
                    • Weekly cadence: 60 min/day, 5 days/week. 60% Math, 40% R&W (because Math missed the benchmark).
                    • Targeted blocks: 30 min on Expression of Ideas OR Problem-Solving every day until those bands move up. Then expand to Algebra + Advanced Math.
                    • Full timed test: Every 3 weeks. Aim for Aug 22 sitting + Sept 12 backup.
                    • Don't pay for tutoring until Khan + Bluebook are maxed. She's at 510s — those alone can lift her to 600s.
                    • If stuck after 8 weeks and Math hasn't moved, consider 4-6 sessions with a math-specific tutor on Problem-Solving + Data Analysis only.

                    🏫 Starter college list — business + study abroad + soccer

                    These are starting points — a mix of D3 and NAIA, mostly West Coast / accessible from CA, all strong in business and study-abroad.

                    💼 Business focus — major-level questions to investigate

                    "Business" is broad. The senior-year job is figuring out which slice she's drawn to so the college list narrows.

                    • Accredited (AACSB) vs. non-accredited B-school? AACSB matters for finance/consulting recruiting, less for entrepreneurship.
                    • Entrepreneurship vs. finance vs. marketing concentration? The Palomar BUS 100 / ECON / ACCT classes will help her test interest.
                    • Internship pipeline? Some schools (Cal Poly SLO, USD) have notably strong career services for business.
                    • Class size for case-method classes? Smaller is better for hands-on learning.

                    🌍 Study abroad — built into the college choice

                    Easier to pick a college with study abroad baked in than to bolt it on later. Ask each school:

                    • What % of business majors study abroad? (Top schools: 50%+)
                    • Does financial aid travel with the student abroad?
                    • Business-specific programs (e.g., London, Hong Kong)?
                    • Can student-athletes go abroad without losing eligibility?
                    • Short-term faculty-led trips (Maymester / J-term) for athletes?

                    🇮🇹 Italian path — leverage what she already has

                    She has Italian on her homeschool transcript. Continuing the sequence (Palomar ITAL 101/201/202) creates a clear case for studying in Italy specifically — Florence, Milan, and Bologna all have well-regarded business semesters.

                    • Bocconi (Milan) — one of Europe's top business schools, exchange partner with many US programs
                    • LUISS (Rome) — business + economics, English-taught semester options
                    • CIMBA Italy (Asolo) — Iowa-run, very US-college-friendly
                    • Florence University of the Arts — small, lots of US college partnerships

                    💭 Notes — programs of interest, schools visited, costs

                    Soccer — recruiting + improvement plan

                    Goal: play in college, not at scholarship level. That points to D3 (no athletic $, lots of merit aid) or NAIA (small programs, often need-based aid). D3 coaches rely heavily on ID camps + direct emails — she should drive this herself.

                    Recruiting timeline (rising senior)
                      On-field improvement plan
                        D3 vs NAIA — quick orientation
                        • D3: No athletic scholarships, period. But D3 schools give generous academic/merit/need aid. ~440 women's soccer programs.
                        • NAIA: Smaller schools, often religious or regional. Can offer athletic aid. Recruiting calendar is open year-round.
                        • NCAA Eligibility Center: Required for D1/D2 only. D3 has its own lighter process. Register only as a backup option.
                        • NAIA path: Register at play.mynaia.org if pursuing NAIA schools.

                        🎥 Highlight reel & coach outreach log

                        🚗 Driver's license — California provisional (under 18)

                        She's 16, so California's under-18 rules apply: driver's ed + 6 months on a permit + 50 supervised hours (10 at night) + 6 hours pro behind-the-wheel training before the road test. Provisional license has passenger/night restrictions for the first 12 months.

                          Practice hours logged (each square = 5 hrs, target 50 with 10 at night)
                          0 / 50 hours — click a square to log 5 hours

                          Source: dmv.ca.gov · CA Provisional License (under 18) requirements

                          💰 Money basics for a high-school senior

                          She's heading to college in ~14 months — the money skills that matter most now are: knowing where her money goes, opening her own accounts before she leaves, and understanding how college costs/aid work.

                            🎯 Savings + spending tracker

                            Rough numbers are fine — the point is the habit.

                            💵 What's coming in
                            💸 What's going out
                            🎯 Savings goals

                            💸 College cost & financial aid tracker

                            FAFSA opens Oct 1, 2026 for fall 2027. Net price (what your family actually pays) is usually very different from sticker price. Use each school's Net Price Calculator to estimate before applying.

                            E

                            Eli

                            Born Mar 5, 2012 · Age 14 · Rising 9th grader · 2026-27
                            ⭐ Play D1 baseball at Stanford · pursue an MLB path
                            📍 Overview
                            📚 Academics
                            ⚾ Baseball
                            💪 Body
                            🎯 Hobbies
                            💰 Money
                            Years to college decision
                            ~3.5
                            Recruiting starts soph year
                            Academic target
                            3.94+
                            Stanford avg unweighted
                            FB velo target (jr yr)
                            88–95
                            mph · D1 threshold
                            Exit velo target (jr yr)
                            95+
                            mph · D1 threshold

                            🎯 Strategy — protect both ceilings simultaneously

                            Reality check, kept here on purpose: Stanford baseball is the hardest D1-program-plus-elite-academics combination in the country. Acceptance rate ~3.6%, baseball recruiting elite-tier. The plan below is built around never sacrificing the academic ceiling for baseball, or vice versa — because nearly every realistic outcome (Ivy, Pac-12 D1, top D3 like Pomona/Claremont, JUCO path) requires BOTH to stay open.

                            Four parallel tracks tracked across the sub-tabs above: Academics, Baseball, Body, and growing Hobbies + Money sense.

                            🏫 The big decision: Mission Vista HS vs Homeschool + Club

                            Mission Vista HSHomeschool + Club / Travel
                            Baseball exposureHS season (Feb-May), CIF San Diego. Local visibility but college recruiters spend most time at club/travel events.Year-round club ball with elite organizations (SoCal Renegades, Trosky, Canes SoCal) — this is where D1 actually recruits.
                            Academic ceilingConstrained to what MV offers (AP load, scheduling). Need to confirm AP availability + class rigor.Maximum flexibility — stack AP, dual-enrollment at Palomar/Mira Costa, online providers for the most rigorous courses.
                            Social experienceTraditional HS — teammates, friends, daily routine, school events.Requires intentional social structure (homeschool co-op, club teammates, church group).
                            Scheduling for showcasesHS season conflicts with some spring showcases.Total flexibility for travel, showcases, weekday tournaments.
                            Path to top D1 / StanfordPossible but rare from MV specifically — track MV's recent college commits as proof.Far more common path for elite recruits. Most D1 commits come through travel ball + showcases.
                            Hidden criterion — the decision changes if Eli wants the traditional HS experience

                            If the social side of MV matters to him (Friday-night feel, school sports culture, classmates daily), that's a legitimate reason to go — kids burn out on year-round travel ball without that grounding. Mid-strategy adjustment is possible: HS frosh/soph, then transition to homeschool junior year when recruiting heats up.

                            Sources: maxpreps.com · sanmarcosyouthbaseball.com · ncsasports.org · perfectgame.org

                            🧭 Realistic outcomes ladder — what "success" can look like

                            Stanford is the north star, but several other outcomes count as a great life. Naming them now reduces all-or-nothing thinking.

                            OutcomeWhat it requires
                            Stretch · Stanford / Ivy baseball3.94+ GPA, max rigor, 1500+ SAT, plus D1-level recruiting profile
                            Realistic · Top D1 baseball3.5+ GPA, strong recruiting profile, willingness to consider any geography
                            Realistic · Top D3 baseball (Pomona, Claremont, etc.)3.8+ GPA, strong rigor, solid HS-level player. Best blend of elite academics + playing time.
                            JUCO → D1 transfer routeStrong HS profile, JUCO development year, then transfer up
                            Non-baseball path · Top universityAcademics carry the day; baseball was the development engine, not the ticket

                            📝 Notes & decisions log

                            📚 4-year course plan — preserving the Stanford ceiling

                            For Stanford-tier admission, course rigor and unweighted GPA matter more than any single test score.

                            Subject9th10th11th12th
                            EnglishHonors English IHonors English IIAP LangAP Lit
                            MathGeometry or Alg IIAlg II or Pre-calcPre-calc or AP Calc ABAP Calc BC or AP Stats
                            ScienceBio (H)Chem (H)AP Bio or AP ChemAP Physics
                            Social StudiesWorld HistoryUS History or AP WorldAP US History or AP GovAP Econ or AP Psych
                            Foreign LangLang 1Lang 2Lang 3 (H)AP Language

                              Stanford profile: avg unwt GPA ~3.96, SAT mid-50% 1510-1570.

                              📄 Official transcript

                              Click any field to edit. Changes auto-save.

                              Baseball KPIs — current vs D1-recruitable junior-year targets

                              Update Eli's current metrics as he tests. The green tick on each bar is the typical D1 recruiting threshold by junior year.

                              Metric
                              Current → Target
                              Current
                              D1 target

                              Sources: ncsasports.org/baseball/recruiting-guidelines · premierathletes.co · nextcommit.ai

                              📅 4-year recruiting roadmap

                              NCAA D1 contact rule: coaches can't directly contact recruits before Aug 1 of junior year, but Eli can email coaches anytime and attend their camps.

                              📣 Exposure & recruiting tasks

                                💪 Physical foundation — age-appropriate (14 yo)

                                Strength & arm care
                                  Sleep & nutrition
                                    Why age-14 strength rules matter

                                    For a 14-year-old still growing, the highest-leverage training isn't max-effort lifting — it's movement quality, posterior chain strength, and arm care. Overuse pitching injuries (UCL tears, growth-plate damage) are the #1 thing that derails baseball trajectories. The Pitch Smart guidelines (mlb.com/pitch-smart) cap pitch counts and require rest days; ignoring them is the single biggest preventable risk to his career.

                                    🩹 Injury & soreness log

                                    Track any pain, soreness, or injury — arm, back, knees, anywhere. Patterns over time = early warning for overuse. Add an entry each time something hurts more than a normal "good sore."

                                    🃏 Pokemon card collection

                                    Total cards
                                    0
                                    Estimated value
                                    $0
                                    Unique sets
                                    0
                                    🏆 Top 3 most valuable
                                    📷 Add cards in bulk
                                    Scan photos with AI · import a JSON list · refresh prices via TCGPlayer.
                                    + Add a card manually
                                    Inventory (click any cell to edit, ✕ to delete)

                                    📦 Set completion

                                    Track which sets he's building toward and progress.

                                    🔁 Trade & sale log

                                    Every trade in/out, sale, or purchase. Builds the financial muscle — track what comes in, what goes out, lessons learned on value.

                                    + Log a trade

                                    📖 Reading & curiosity

                                    Books, articles, things he's into. Stanford essays favor genuinely curious applicants — track what catches his attention.

                                    💰 Earnings & savings tracker

                                    Goal: earn his first $100 from something he set up himself. Plus track allowance, gifts, anything that comes in.

                                    Total earned
                                    $0
                                    Saved (goal: 50%)
                                    $0
                                    Spent (goal: ≤30%)
                                    $0
                                    Given (goal: ≥20%)
                                    $0
                                    + Log a transaction

                                    🎯 Savings goals

                                    What is he saving toward? A specific Pokemon card? A new bat? A trip? Concrete goals make the saving habit stick.

                                    🌱

                                    Family Skills

                                    Three shared tracks · Sydney · Maddie · Eli together
                                    ⭐ Entrepreneurship · AI fluency · Piano — built over years, not weeks
                                    🚀 Entrepreneurship
                                    🤖 AI Fluency
                                    🎹 Piano

                                    🚀 Building entrepreneurial muscle — by age stage

                                    Why this matters even if none of them start a company: Entrepreneurship is mostly four learnable habits: (1) spotting problems other people accept, (2) shipping something instead of just planning, (3) making a small business deal end-to-end, and (4) owning the outcome — including the failure. The goal isn't necessarily a real business; it's the muscle.

                                    Sydney 19 · CC student

                                    Stage: Run a real, small thing. Bonus: a funeral home is itself a small business — entrepreneurial skill maps directly to her career goal.

                                      Maddie 16 · homeschool sr

                                      Stage: Ship a side hustle + study the playbook. The best prep for studying business is having actually run something. Bonus: a real venture is a compelling Common App essay.

                                        Eli 14 · rising 9th

                                        Stage: Earn the first $100 yourself. At 14, the most valuable thing is the experience of doing something for a customer who pays. Tiny scale is the point.

                                          Family-wide reading & resources
                                          "The $100 Startup" — Chris Guillebeau · accessible, real-case studies of tiny solo businesses
                                          "How to Win Friends & Influence People" — Carnegie · sales / customer-conversation foundation
                                          "Zero to One" — Peter Thiel · for Maddie + Sydney; how new things actually get built
                                          Junior Achievement (jausa.ja.org) · free K-12 programs incl. "Company Program" where teens run a real business
                                          Acton Children's Business Fair · annual pop-up market for kid-run businesses (Eli)
                                          Y Combinator's "How to Start a Startup" Stanford lectures · free on YouTube; for Maddie + Sydney

                                          🤖 AI fluency — using AI well, ethically, and as a multiplier

                                          The bar to clear: Each kid should understand what AI is good at, where it lies confidently, how to prompt it to be useful, and when not to use it. The goal isn't "use ChatGPT more" — it's becoming a competent operator of a tool that will be part of every job they ever have.

                                          Sydney 19 · ADD focus

                                          Highest-leverage AI use for ADD: structure scaffolding. Break assignments into steps, build study schedules, summarize chapters, prep flashcards.

                                            Maddie 16 · college prep

                                            For her: use AI to learn faster, not to write for her. Common App + most colleges now ban AI-written essays — but feedback partner is fair game. Also great for SAT prep, business research, and language practice for study abroad.

                                              Eli 14 · learner mode

                                              For him: AI as the most patient tutor he'll ever have. Powerful for math (step-by-step), language conversation, baseball analytics. Caveat: he must do the actual thinking — AI explains, he solves.

                                                Recommended AI learning resources (free)
                                                Anthropic's "AI Fluency" course · free, ~6 hours; canonical "how to use AI well" curriculum
                                                Khan Academy + Khanmigo · AI tutor built into Khan; great for all three kids
                                                Andrej Karpathy "How I Use LLMs" (YouTube) · 2-hour deep dive on prompting & workflows
                                                "Prompt Engineering for Educators" · free Anthropic course; useful framing for homework + study use
                                                ChatGPT / Claude free tier · each kid should have their own account so usage is theirs, not shared
                                                Family ground rules to discuss together
                                                • Cite when used. If AI helped, say so.
                                                • Never paste private/personal info (medical, financial, others' info).
                                                • Verify any fact AI gives you before acting on it. AI is confidently wrong constantly.
                                                • Use it to learn, not to skip learning. "Explain it to me" = good. "Do it for me" = bad habit.
                                                • Don't use AI to write graded work unless explicitly allowed. Use it to brainstorm, outline, get feedback.

                                                🎹 Piano — from "years of lessons" to genuine fluency

                                                What "getting better" actually looks like: Years of lessons often plateau at "can play assigned pieces" without ever reaching true musical fluency — sight-reading, playing by ear, improvising, performing for others. The five highest-leverage habits are below.
                                                HabitWhat it actually meansTime/day
                                                Scales + arpeggiosAll 12 major + 12 minor keys, hands together, eyes closed5 min
                                                Sight reading1 brand-new short piece daily, played slowly without stopping10 min
                                                Repertoire pieceOne challenging piece worked in 4-8 bar chunks (not start-to-finish)15 min
                                                Ear trainingPlay a song by ear (pop, hymn, anything) — no sheet music5 min
                                                Theory / improvPlay chord progressions in different keys; improvise melody over them5 min

                                                Sydney 19

                                                Realistic goal: play casually for life, perform 1 family piece per holiday. Piano is also a great ADD-friendly mental reset (10-15 min before studying = better focus).

                                                Daily practice this week (tap to log)
                                                Suggested next milestones

                                                  Maddie 16

                                                  Goal: strong well-rounded musician by graduation. Piano is a great extracurricular for college apps — but only with evidence of engagement (recordings, recitals, accompanist roles).

                                                  Daily practice this week
                                                  Suggested next milestones

                                                    Eli 14

                                                    Goal: keep momentum through high school. Most boys quit piano around now — staying with it is itself the win.

                                                    Daily practice this week
                                                    Suggested next milestones
                                                      Tools & resources for piano improvement
                                                      Pianote.com · structured online piano lessons
                                                      Flowkey / Simply Piano apps · app-based, fun, motivation booster (Eli especially)
                                                      RCM / ABRSM grade exams · external structure if motivation is sagging — measurable goals
                                                      Hoffman Academy YouTube · free, excellent for ear training + theory gaps
                                                      Music Tutor app · 5 min/day sight-reading practice
                                                      Family monthly mini-recital · first Sunday — each kid plays one new thing; performance is the keystone habit