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Dave Ramsey and Rachel Cruze teach parents how to raise money-smart kids in a debt-filled world.
In Smart Money Smart Kids, financial expert and best-selling author Dave Ramsey and his daughter Rachel Cruze equip parents to teach their children how to win with money. Starting with the basics like working, spending, saving, and giving, and moving into more challenging issues like avoiding debt for life, paying cash for college, and battling discontentment, Dave and Rachel present a no-nonsense, common-sense approach for changing your family tree.
- Sales Rank: #5763 in Books
- Brand: HarperCollins Christian Pub.
- Published on: 2014-04-29
- Released on: 2014-04-29
- Original language: English
- Number of items: 1
- Dimensions: 9.29" h x .94" w x 6.30" l, 1.20 pounds
- Binding: Hardcover
- 256 pages
Features
- Used Book in Good Condition
About the Author
Dave Ramsey is America’s trusted voice on money and business. His five New York Times bestselling books—Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership, and Smart Money Smart Kids—have sold more than 7 million copies combined. The Dave Ramsey Show is heard by more than 8 million listeners each week on more than 500 radio stations and iHeartRadio.
As a seasoned communicator and Ramsey Personality, Rachel Cruze has been speaking to groups as large as 10,000 for more than a decade. 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 on the proper way to handle their money wisely and stay out of debt. Rachel co-authored the #1 New York Times best-selling book Smart Money Smart Kids with her dad. You can follow Rachel on Twitter at @RachelCruze and online at rachelcruze.com or at facebook.com/rachelramseycruze.
Most helpful customer reviews
72 of 77 people found the following review helpful.
Practical, timely and well written
By Stay in the Car Mom
Synopsis:
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.
109 of 115 people found the following review helpful.
The Greatest Gift You Can Give Your Child
By John Chancellor
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. 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.
4 of 4 people found the following review helpful.
excellent book, great purchase
By bodenmama4
This book is excellent! My husband and I are the first generation in either of our families to give much thought to money as far as budgeting, planning, thinking towards the future etc, and I was a little at a loss as to how to help my kids figure it out much sooner than the rest of us did. This book was really helpful towards that, and it was done in a non judgmental, kind, encouraging manner.
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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