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“There are dozens of jobs for older children, [such as] filing, household chores, helping at events, social media, bookkeeping, graphic design, technical support on devices, customer service,” Richardson says, noting that even babies and toddlers could be independent contractors who model in still photos promoting your business or star as talent in a commercial.

While noting some exceptions, Richardson provides a few steps parents can take within this process to prepare kids for out-of-home employment.

“Prepare a job description, send an offer letter, establish payroll (direct deposit from your business account to a joint account with that child or get a payroll service if you desire), conduct performance reviews and report the wages to the IRS quarterly or annually if you hire independent contractors,” she says. Richardson adds that hiring other relatives can be an option for others, including adults, who may be under your care.

Dr. Lynn Richardson is a host, entertainment executive and financial coach who uses quick wit and a humorous presentation style to help others face their money issues, and achieve personal, professional and spiritual harmony. She is also the author of the best-sellers “Living Check to Monday: The Real Deal About Money, Credit, and Financial Security” and “The Symphony: A Guide to Creating and Balancing Multiple Streams of Income.” You can follow Richardson on Twitter, Instagram, Facebook, YouTube and her website.

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