Back-to-school season isn’t just about sharpened pencils and fresh notebooks — it’s about preparing teens for the challenges, opportunities, and choices that shape their futures. On this week’s episode of the Holistic Wealth Podcast, we’re joined by author and educator Derek Gagnon, whose thrilling time-travel novel Out of Time delivers powerful life lessons for teens and parents alike.
Table of Contents
ToggleResilience for the Back-to-School Season
Identity: Teens, like Derek’s protagonist, are figuring out who they are and where they belong.
Choices and Consequences: Just like time travel in the novel, every decision today can shape tomorrow’s reality.
Courage in Uncertainty: Back-to-school can be intimidating; learning to act with confidence, even without knowing the outcome, is a skill that lasts a lifetime.
Community Support: The Society of Timeline Liberation in the book mirrors the importance of building strong, positive support networks in real life.
Holistic Wealth isn’t just about money — it’s about a rich life built on emotional resilience, purpose, and strong relationships. In this episode, Keisha Blair and Derek Gagnon explored:
Derek Gagnon’s journey and the inspiration behind his novel Out Of Time as well as key lessons from the book
How teens can protect their values and set healthy boundaries
How teens can navigate toxic relationships and identify red flags
Why parents should encourage independent decision-making
The importance of mentors and “allies” during teen years
How to help teens navigate challenges with confidence and creativity

Here are a few actions inspired by our conversation:
Ask Your Teen: “What’s one decision you can make this week that your future self will thank you for?”
Family Activity: Create a “Values Map” where each family member writes down their top 3 values for the school year.
Holistic Wealth Reset & Reflection Guide: Download the Holistic Wealth Reset & Reflection Guide available on the Institute on Holistic Wealth website for a family activity.
Take the Personal Financial Identity Quiz: Available on the Institute on Holistic Wealth website. Teens and Parents can do this together.
Encourage Mentorship: Help your teen identify at least one trusted mentor — inside or outside school — they can turn to for guidance.
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