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Smart Money Smart Kids: Raising the Next Generation to Win with Money Hardcover – April 22, 2014
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In Smart Money Smart Kids, Dave Ramsey and his daughter, Rachel Cruze, team up to share some personal family stories you don’t want to miss! Get a no-nonsense approach for teaching your kids and teens the basics of money.
Find practical strategies to raise money-smart kids in this debt-crazed world. Smart Money Smart Kids offers common-sense ways to teach these money lessons:
- Where money comes from
- The value of hard work
- How to save, spend, and give
- Debt, and how to avoid it
- Paying cash for college
- Living responsibly
- Print length272 pages
- LanguageEnglish
- PublisherRamsey Press
- Publication dateApril 22, 2014
- Dimensions6.23 x 1.06 x 9.28 inches
- ISBN-101937077632
- ISBN-13978-1937077631
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About the Author
As a #1 New York Times best-selling author and seasoned communicator, Rachel Cruze helps Americans learn the proper ways to handle money and stay out of debt. She’s authored three best-selling books, including Love Your Life, Not Theirs and Smart Money Smart Kids. The daughter of Dave Ramsey, she joined Ramsey Solutions in 2010 and uses the knowledge and experiences from growing up in the Ramsey household to educate others. You can follow Cruze on Twitter and Instagram at @RachelCruze and online at rachelcruze.com, youtube.com/rachelcruze or facebook.com/rachelramseycruze.
Product details
- Publisher : Ramsey Press; First Edition (April 22, 2014)
- Language : English
- Hardcover : 272 pages
- ISBN-10 : 1937077632
- ISBN-13 : 978-1937077631
- Item Weight : 2.31 pounds
- Dimensions : 6.23 x 1.06 x 9.28 inches
- Best Sellers Rank: #12,243 in Books (See Top 100 in Books)
- #61 in Budgeting & Money Management (Books)
- #212 in Parenting (Books)
- Customer Reviews:
About the authors
Rachel Cruze is a two-time #1 national bestselling author, financial expert and host of The Rachel Cruze Show. Since 2010, Rachel has served at Ramsey Solutions, where she teaches people how to avoid debt, save money, budget, and win with money at any stage in life. She’s authored three bestselling books, including, Know Yourself, Know Your Money: Discover WHY You Handle Money the Way You Do, and WHAT to Do About It!
Dave Ramsey is America’s trusted voice on money and business. He’s a #1 National bestselling author and host of The Ramsey Show, heard by more than 18 million listeners each week. Dave’s eight national bestselling books include The Total Money Makeover, Baby Steps Millionaires, and EntreLeadership. He has appeared on Good Morning America, CBS This Morning, Today, Fox News, CNN, Fox Business and many more. Since 1992, Dave has helped people take control of their money, build wealth, and enhance their lives. He also serves as CEO of Ramsey Solutions.
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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. Not only do we get stories of how these principles were applied to Dave’s own children growing up (which are the best parts of the book, in my opinion), but we find out specifically how to implement them in our own families. After talking about each concept in the book, Dave and Rachel break it down by age group and tell us how to apply that concept to our own children. For instance, in the chapter on saving, we’re told that kids younger than 6 need to see their money so it should be kept in a clear container. Six to thirteen year olds need to set small savings goals such as saving for a toy. And children ages 14-18, need to learn how to save for something big, such as a car or college. What you end up with is a very practical guide for how to train your children to handle money at every age.
This is a very well written book. The information presented in it is practical, timely and opposite of what the rest of the world may teach your children about money. And best of all, it’s fun to read. I highly recommend Smart Money, Smart Kids for parents of children ages 18 and younger. Your children will thank you one day for reading this book.
I received a complementary PDF version of this book to review as a member of the Smart Money, Smart Kids launch team. All opinions are my own.
Obviously we all have our strengths, and obviously Dave Ramsey's strengths were helping is kids succeed with money from a young age. His kids were earning money for their first cars before they were 10! My reality looks different than theirs, and I had to remind myself that what worked for them, isn't going to be what works for my family, but taking some of their ideas and basic principles, I can also help my kids achieve great things with their money. Quite frankly, step one is simply being aware of the value of money. What should it be used for, things you want, or things you need etc. Natural consequences, and letting your kids fail at the little decisions now are important (ie: Rachel recounts a story where she spent all of her money on one little game outside the amusement park they were at, and then had to watch her brother and sister have fun with their money inside while she was miserable and her parents wouldn't relent and give her more).
I really liked though too how they encourage you to give your kids grace. Rachel recounts how one mom was proud of herself that she didn't help her son out when he went to buy the xbox he had saved up for and didn't have enough to cover tax. Rachel was incredulous and told the mom that if her 10 year old son had managed to save up nearly $400 to buy an xbox the mom should have gladly covered the tax! You want to encourage your kids, help them feel like they have succeeded, not be so caught up in semantics that you miss the opportunity to help them feel like they accomplished their money saving goal.
This book was really encouraging to me, and helpful on my parenting journey. I would recommend it to anyone looking for ways to help kids understand money, and give them a foundation for succeeding later. Five stars for sure.
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Cannot wait to start it with our kids.