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Smart Money Smart Kids: Raising the Next Generation to Win with Money Hardcover – April 29, 2014
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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 ? an Enough, ? e Total Money Makeover, and EntreLeadership―have sold more than 7 million copies combined. ? e Dave Ramsey Show is heard by more than 6 million listeners each week on more than 500 radio stations.
Rachel Cruze is a seasoned communicator and presenter who has been speaking to groups as large as 10,000 for more than a decade. She uses the knowledge and experiences from growing up as Dave Ramsey’s daughter to educate America’s students and young adults on the proper ways to handle money and stay out of debt.
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Top Customer Reviews
Perhaps that is why the newest book by Dave Ramsey and his daughter, Rachel Cruze, Smart Money Smart Kids, feels a bit like a life raft in choppy waters. It is written in the uniquely engaging narrative of a father and a daughter sharing thoughts in a game of ping pong. Dave shares the perspectives of a parent who admittedly and dramatically failed at finances before overcoming and raising money smart children, while Rachel presents the view of a child who was raised to be competent with money, one who skipped all the “ordinary” snares that so many of her generation get tangled within, one who represents what we hope for our children.
However, Smart Money Smart Kids, while full of anecdotes of their experiences (some that are laugh out loud humorous), is more than an encouraging and entertaining narrative about one father raising one daughter. Rather, it’s true strength is in the very specific parenting strategies that can help CREATE money smart kids. Some topics include;
- Steps to Intentionally develop a positive attitude toward work through chores and commissions at developmentally appropriate times.
- Showing a heart-change about the uses and purposes of money, teaching that saving, giving, and spending can all be virtuous in their time and place.
- How to demonstrate and require self-discipline from children in saving for purchases.
- Budgeting for kids starting when they are young and giving more independence as they grow and demonstrate competence.
- Developing hearts of gratitude and contentment within children.
This book was both mind blowing and encouraging. Oh, the heartache we can save our children if we can be open and honest in teaching them how to have a heart of gratitude, a belief that it is all God’s anyway, and a sense of the sacred responsibility we have as stewards of resources, both financial and otherwise. Money is never just about money.
Really, Smart Money Smart Kids is all about intentionality. While accidentally raising money smart kids may be impossible, INTENTIONALLY we CAN and WILL change our family tree.
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. She was allowed to earn money by working, doing chores. She learned the connection between working and money. She was taught how to save and the proper ways to spend money. Part of the smart money education was setting aside a portion of all she earned for giving to others.
There are some extremely good examples of teaching/modeling smart money financial lessons beginning at ages 3-5 and all the way through college. By teaching them while they are young, before they have become a slave to the credit card trap, Mr. Ramsey’s children have started life with no debt – including no student loan debt. This is a very enviable way to start life. Rachel and her father show step by step how it is done. The lessons are simple and straightforward, but they do require discipline.
Mr. Ramsey and Rachel have a strong religious faith that is woven throughout the book. It is not necessary that your share their faith in order to gain the enormous benefits offered throughout the book.
I think most parents have a strong desire to provide a great life for their children. There is probably no better gift you can give your child/children than to teach them about the debt trap. This book is a real how to guide to give your children that gift.
I was provided a review copy of this book.