Smart Money Smart Kids: Raising the Next Generation to Win with Money

Smart Money Smart Kids: Raising the Next Generation to Win with Money

by Dave Ramsey, Rachel Cruze


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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

Product Details

ISBN-13: 9781937077631
Publisher: Ramsey Press
Publication date: 04/22/2014
Pages: 272
Sales rank: 54,507
Product dimensions: 6.00(w) x 9.00(h) x 1.10(d)

About the Author

Dave Ramsey is America’s trusted voice on money and business. He’s authored seven best-selling books: Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership, The Complete Guide to Money, Smart Money Smart Kids and The Legacy Journey. “The Dave Ramsey Show” is heard by more than 13 million listeners each week on more than 585 radio stations and digitally through podcasts, online audio streaming and a 24-hour online streaming video channel. Follow Ramsey on Twitter at @DaveRamsey and on the web at

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, or

Table of Contents

Introduction 1

Chapter 1 I Was That Little Girl… 7

Chapter 2 Work: It's NOT a Four-Letter Word 17

Chapter 3 Spend: When It's Gone, It's Gone 41

Chapter 4 Save: Wait for It 59

Chapter 5 Give: It's Not Yours Anyway 81

Chapter 6 Budgeting: Tell It What to Do 101

Chapter 7 Debt: It IS a Four-Letter Word 129

Chapter 8 College: Don't Graduate from I.O.U. 151

Chapter 9 Contentment: The War for Your Child's Heart 179

Chapter 10 Family: Put the FUN in Dysfunctional 201

Chapter 11 Generational Handoff: Blessings or Curses 227

Chapter 12 I Was That Dad… 245

Notes 249

Student Budget and Upcoming Expenses 252

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