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Smart Money Smart Kids: Raising the Next Generation to Win with Money Hardcover – April 22, 2014

ISBN-13: 978-1937077631 ISBN-10: 1937077632

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Smart Money Smart Kids: Raising the Next Generation to Win with Money + The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness + The Total Money Makeover Workbook
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Product Details

  • Hardcover: 256 pages
  • Publisher: Ramsey Press (April 22, 2014)
  • Language: English
  • ISBN-10: 1937077632
  • ISBN-13: 978-1937077631
  • Product Dimensions: 9.3 x 6.2 x 1.1 inches
  • Shipping Weight: 1.1 pounds (View shipping rates and policies)
  • Average Customer Review: 4.8 out of 5 stars  See all reviews (314 customer reviews)
  • Amazon Best Sellers Rank: #1,365 in Books (See Top 100 in Books)

Editorial Reviews

About the Author

Dave Ramsey is America’s trusted voice on money and business. His four New York Times best-selling books –Financial Peace, More Than Enough, The Total Money Makeover and EntreLeadership – have sold more than 7 million copies combined. The Dave Ramsey Show is heard by more than 6 million listeners each week on more than 500 radio stations and iHeartRadio.

Rachel Cruze is a seasoned communicator and presenter, who has been speaking to groups as large as 10,000 for nearly a decade. The daughter of Dave Ramsey, today she uses the knowledge and experiences from growing up in the Ramsey household to educate America’s students and young adults on the proper ways to handle money and stay out of debt. You can follow Rachel on Twitter at @RachelCruze, online at or at

More About the Author

Dave Ramsey is the author of the New York Times bestselling books Financial Peace and The Total Money Makeover. His radio program, The Dave Ramsey Show, is heard on more than 450 radio stations throughout the U.S. and transmits Ramsey's inimitable financial advice to more than 4 million listeners each week. Dave also hosts his TV show, The Dave Ramsey show primetime on the Fox Business Network. Many national corporations as well as more than 1 millioin families have benefited from Ramsey's Financial Peace University program and his many LIVE events.

Customer Reviews

They are easy to read, informative and practical.
M & S Scales
I am confident my kids will have a secure financial future because this book gives principles to help them reach financial goals they can set themselves.
kenesha causey
I highly recommend Smart Money, Smart Kids for parents of children ages 18 and younger.
Stay in the Car Mom

Most Helpful Customer Reviews

26 of 26 people found the following review helpful By John Chancellor TOP 500 REVIEWERVINE VOICE on April 22, 2014
Format: Hardcover
Even though I took high school English many years ago, I still remember our teacher requiring us to memorize many quotes from the books we were required to read. One I still remember was by Virgil, “As the twig is bent, the tree inclines.” I suspect that the first time I read the quote I did not fully appreciate the meaning. It is readily apparent that if a twig is bent in a certain direction, the tree will grow that way. What I failed to see was that the philosopher Virgil was not really talking about trees but about people. The behavior and lessons children are taught early in life, will have a significant impact on their adult lives.

Unfortunately, most people are doing a rather poor job of teaching their children smart money habits. Dave Ramsey and his daughter Rachel Cruze, the authors of Smart Money, Smart Kids have written a very comprehensive guide to help parents teach children smart money habits.

Dave Ramsey is a financial expert, NY Times best selling author and host of the nationally-syndicated Dave Ramsey Show. In the book, Mr. Ramsey shares his path to becoming a financial expert. He actually learned the hard way – by doing a lot of things wrong, going bankrupt and then struggling to get his life back on track. After bankruptcy, one thing that was not on his list was to re-establish credit. He was keenly aware of what got him into financial trouble and equally well aware of how to avoid trouble in the future. He made a commitment to live debt free.

Rachel Cruze had the good fortune to be born right around the time he was emerging from his financial troubles. She got the benefit of being raised according to her fathers newly discovered financial principles. As a child, she was not “given” an allowance.
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39 of 43 people found the following review helpful By Stay in the Car Mom on April 22, 2014
Format: Kindle Edition Verified Purchase

Financial guru Dave Ramsey and his daughter, Rachel Cruze, team up to teach parents how to “raise money smart kids in a debt-filled world.” Starting with how to teach your children to work, and continuing through what your child should do with their hard earned money (spend, save, give), Dave and Rachel talk about the principles of good money management for children as well as giving the reader plenty of stories of what life was like for the Ramsey kids. The second half of the book dives into more advanced issues such as how to be debt free for life, including how to go to college debt free.

My Thoughts:

I’m a huge Dave Ramsey fan and I’ve read a lot of his books, but this is his first book written with his daughter, Rachel. As usual, Dave presents a no nonsense, tell-it-like-it-is guide to raising money-smart kids. However, the addition of his daughter as an author changes the feel of the book. She offers story after story of what life was like growing up as “Dave Ramsey’s daughter.” The stories she adds give the book humor and somewhat soften Dave’s usual writing style.

Reading a book with two authors can sometimes feel disjointed. Not so with this book. Dave and Rachel identify themselves before each section that they write. They also use two different fonts in the book (one for Dave and one for Rachel) to help the reader remember who is writing at that point. It’s a nice touch that helps make the book feel more connected.

The information presented in Smart Money, Smart Kids is the same information that Dave Ramsey has been preaching for years, but it’s tailored to apply to children.
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24 of 29 people found the following review helpful By tswinnett on April 22, 2014
Format: Kindle Edition
Whether you constantly struggle with debt and finances or feel you have a good, godly grasp on the subject, you may wonder how to pass on skills for handling money, that will not only prevent your children from the stress of debt, but teach them how to use their money in godly ways. Smart Money Smart Kids is written by Dave Ramsey and his adult daughter Rachel Cruze. The book does one of the best jobs I have seen of not only explaining what money skills you need to teach your children, but exactly how to do it.

While written from a Christian perspective, this book is not a Bible study. Ramsey and Cruze make no attempt though to hide their beliefs or how those beliefs influence their decisions in life. My only minor disagreement with them from the faith perspective, is that they believe the common Christian idea of tithing ten percent. I wish they had done a little deeper study, because they would have discovered that in the Old Testament people actually gave much more than 10% and in some instances in the New Testament, Christians were selling everything they had and sharing it to help others. Personally, our family tries to operate from the viewpoint that everything is God’s and we try to spend it in ways we believe please him, which generally means giving away much more than ten percent. This is a stretch goal for many and our slight disagreement on tithing does not negate my enthusiasm for the book as a whole.

Perhaps my favorite part of the way Ramsey and Cruze give their suggestions for teaching good money skills to our children is that they have really thought through all of the possible angles. I have seen many parenting books trashed by critics who misunderstood the advice or followed it in ways not promoted by the authors. Ramsey and Cruze address this more than once.
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