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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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Rachel Cruze was a baby when her parents filed for bankruptcy. While recovering from this difficult time, Dave and Sharon Ramsey “made the declaration that where money was concerned, we would start a new family tradition—a tradition of money knowledge, money character traits, and wealth.” Rachel and her older sister and younger brother are successful products of this declaration. Dave and Rachel share in great detail, from their respective perspectives, the money lessons taught to the Ramsey kids through the years and how you can apply them to your family.
The book has chapters dedicated to the subjects of work, spending, saving, giving, budgeting, staying away from debt, and contentment (this one is critical to your child’s success). Whether you have a preschooler or a teenager about to enter college or anywhere in between, this book has you covered. Most chapters offer sensible tips broken out by age groups.
If you’ve spend most of your adult life drowning in debt, can you imagine how awesome your child’s wealth building potential would be if she never, ever took on debt of any kind? This book shows you how it’s possible. Maybe you’ve worked hard, avoided debt, and saved hence you’re doing pretty well with money, but you’re worried about your child growing up to be a lazy, entitled, immature adult. Oh, is this book for you!
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.