Smart Money Smart Kids: Raising the Next Generation to Win with Money
- Downloads：9175
- Type：Epub+TxT+PDF+Mobi
- Create Date：2021-04-19 11:57:29
- Update Date：2025-09-07
- Status：finish
- Author：Dave Ramsey
- ISBN：1937077632
- Environment：PC/Android/iPhone/iPad/Kindle
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Reviews
Candace
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Intentional， consistent messaging about being financially responsible。
Alex
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For her two week （！） spring break， I got my daughter both of Dave Ramsey's Foundations in Personal Finance: High School Edition for Self-Study and Foundations in College and Career Readiness Self-Study。 I checked out this book for myself as she went through her curriculum。Good， solid advice to begin with young children from age 6 on up to high school。 My kiddo's enjoying these activities and wants to open a savings account。 She'll be starting her first job in a month， so the timing is perfect。My For her two week （！） spring break， I got my daughter both of Dave Ramsey's Foundations in Personal Finance: High School Edition for Self-Study and Foundations in College and Career Readiness Self-Study。 I checked out this book for myself as she went through her curriculum。Good， solid advice to begin with young children from age 6 on up to high school。 My kiddo's enjoying these activities and wants to open a savings account。 She'll be starting her first job in a month， so the timing is perfect。My college BFF did Dave's Total Money Makeover and turned her situation around。 HIs radio show is a hoot to listen to with everyone celebrating their financial freedom。 It's the way to go。 。。。more
Steven Smith
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Great book On how to keep ourselves and our kids good with money
Beth
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So torn。 If you dig through there are some really helpful tips here， but the delivery is so condescending it really taints the audiobook experience。 I appreciate a lot the principles， but not the personality behind them。
Erin
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Solid 4 star book。 It's a cross between an advice book and an interview， and I got some great ideas and tips out of this one。 I am not a 100% gaga Ramsey person， but I probably buy into 80-85% of his thoughts。 It gave me some great ideas for when to start certain things with my kids （checking accounts etc） and I really liked the idea of the 401Dave plan for car savings。 Solid 4 star book。 It's a cross between an advice book and an interview， and I got some great ideas and tips out of this one。 I am not a 100% gaga Ramsey person， but I probably buy into 80-85% of his thoughts。 It gave me some great ideas for when to start certain things with my kids （checking accounts etc） and I really liked the idea of the 401Dave plan for car savings。 。。。more
Shirley
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My kids have done their middle and high school curriculum so I can't say there was much if any new information in the book， but it was an easy enjoyable read。 This was also written to the parents unlike the curriculum which is written to the student so it had a wider scope。 My kids have done their middle and high school curriculum so I can't say there was much if any new information in the book， but it was an easy enjoyable read。 This was also written to the parents unlike the curriculum which is written to the student so it had a wider scope。 。。。more
Dr。 Paul Blake
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I found this book to be helpful mentally， yet I did not finish the book feeling inspired to save/give money。I was raised in a "Dave Ramsey" home in the 1980's， as my dad strongly followed the Ron Blue and Larry Burkett teachings on finances。 He was a businessman， generous， served non-profits in financial administration， and has his MBA from Harvard。 With that said， I was not inspired to save/give money once I went to college at age 18， despite my undergraduate degree in finance major。 After coll I found this book to be helpful mentally， yet I did not finish the book feeling inspired to save/give money。I was raised in a "Dave Ramsey" home in the 1980's， as my dad strongly followed the Ron Blue and Larry Burkett teachings on finances。 He was a businessman， generous， served non-profits in financial administration， and has his MBA from Harvard。 With that said， I was not inspired to save/give money once I went to college at age 18， despite my undergraduate degree in finance major。 After college， I would give， not but not save。 （Note that Ramsey only made very slight modifications to Blue and Burkett teachings， although with a more inspiring style。）Now in my 40's， I've researched Blue， Burkett， Ramsey， and Robert Kiyosaki。 Again， I was quite uninspired。 Therefore， I'm writing a 50 page booklet built upon these financial fathers describing the system I'm using with my kids that has surprisingly worked。 They actually embrace investing their money， yet they are not "hoarding" either。 Feel free to contact me if you're interested。 。。。more
Tina Florentina
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Lovely information！
Shelby Leppin
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Practical and helpful tips to get started
Brittney
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This book was amazing。 I can't wait to implement some of the systems and advice mentioned in this book with my own children。 This book was amazing。 I can't wait to implement some of the systems and advice mentioned in this book with my own children。 。。。more
Catherine
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Lots of good stuff but very repetitive information from his other books。
Katerina Khaykin
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Great book。 Lots of lessons learned on how to approach money with the kids
Daniel Noventa
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Good advice for parents trying to make sure our kids are successful and mindful。
Princess Pottymouth
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I was so pleased to learn I'm naturally moving toward what is recommended by Dave Ramsay with my 14-year-old and money。 Parenting is a tough task， but this book is uplifting。 Easy to follow as an audiobook， and an extension of Ramsay pointers which shows how to pave the road to becoming debt-less as an adult。 Hard work is the foundation to such self-reliance。 I was so pleased to learn I'm naturally moving toward what is recommended by Dave Ramsay with my 14-year-old and money。 Parenting is a tough task， but this book is uplifting。 Easy to follow as an audiobook， and an extension of Ramsay pointers which shows how to pave the road to becoming debt-less as an adult。 Hard work is the foundation to such self-reliance。 。。。more
Juliana Hudson
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Love Rachel， Dave is a little much for meI have read two more Rachel books。 I feel like she is super relatable and tactful。 Dave， while his principles are great， can be a bit much。
Rebecca Rivas
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We got some really good ideas to implement with the kids。
Heather
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College chapter is 🙌🙌🙌
Darcy
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Excellent inspiration/advice on raising generous， competent， money-smart kids。 I’d like to have this book on hand to reference as the kids are growing up。 I did get annoyed by some of Rachel’s stories: details of her wedding were particularly cringeworthy。
Ian McGaffey
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This book has some great insights into how to raise kids to be smart with money and avoid the pitfalls of today's society。 Definitely going to make use of these。 This book has some great insights into how to raise kids to be smart with money and avoid the pitfalls of today's society。 Definitely going to make use of these。 。。。more
Rachelle Cobb
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Note to self: reread as Rosalie gets older。 Good stuff！
Ilene Giamanco
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Excellent， life-changing principles。 I didn’t care for the way it was organized and written。 Not all sections applied to me。 Overall， it was still worth taking time to learn about their family and personal experiences to get a feel for why they are so passionate about the topic。
Christina
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I was raised on Dave Ramsey's money managing principles， and have read a handful of his books （and those who work at his company）。 A lot of them start to sound the same， because they always take the time to go through the 7 Baby Steps。 That's not a bad thing for those who have never heard/seen/read his stuff， but it gets old after awhile。This book was refreshing， because it was a different take， and they didn't belabor the 7 Baby steps， though they do mention them as a reminder - often - that pa I was raised on Dave Ramsey's money managing principles， and have read a handful of his books （and those who work at his company）。 A lot of them start to sound the same， because they always take the time to go through the 7 Baby Steps。 That's not a bad thing for those who have never heard/seen/read his stuff， but it gets old after awhile。This book was refreshing， because it was a different take， and they didn't belabor the 7 Baby steps， though they do mention them as a reminder - often - that parents must be modeling the behaviors they want to their kids to adopt。 I propose that this book is necessary for parents who feel unsure how to instill wise money management principles in their kids。 Or maybe for parents who have a good idea about how to do it but want some fresh ideas， or the assurance that they're on the right track and they're not crazy for saying no and making their kids save up money for things like toys and even cars。I especially loved hearing Dave's perspective on a couple of the stories that Rachel wrote about。 It almost sounded at times like we were just listening to the transcript of a conversation between the two of them as they reflected on how the Ramseys raised their kids。 However， at other times， they are very direct and give clear-cut directions and suggestions to their readers about how to apply the same ideas in their own families。 This makes the book applicable， practical， and also easy to read。 It's not stuffy or somber， though it can be solemn at times。 Handling money is serious business after all！ Ramsey and his company offer their recommendations based on biblical principles， so you might not agree with the support for their reasoning; however， you probably can agree that these principles worked for them and many other families。I'm not a parent， so I can't immediately apply these principles to my own children， but I do have plenty of kids in my life。 I like that I can be a model for them outside of their nuclear family and encourage wise handling of money as the subject comes up， like my brother does with his high school math students。Long story short: I recommend this book to people with kids in their lives！ 。。。more
Samantha
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Absolutely loved this book！ Extremely helpful even if you don't have kids。 I will definitely be re-reading this one many times to come and use it for my own kids someday。 If you are facing financial problems this book is a great way to go， or really I'm sure anything Dave Ramsey is but I think this brings in so much more with his daughter Rachel there。 They explain things in what seems like a perfect way。 Absolutely loved this book！ Extremely helpful even if you don't have kids。 I will definitely be re-reading this one many times to come and use it for my own kids someday。 If you are facing financial problems this book is a great way to go， or really I'm sure anything Dave Ramsey is but I think this brings in so much more with his daughter Rachel there。 They explain things in what seems like a perfect way。 。。。more
Meghann
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I would consider this a must read if you have kids。 And the younger they are， the better。
Sofia
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When I saw the cover of the book as I opened my Christmas gifts， I remember saying "。。。what the heck is this。。。？" and rolling my eyes （on the inside lol）。 It seemed like just another book about money that was gonna be super boring and unreliable。 In fact， I've always seen my older cousins receive books like these from their parents， and I guess I thought this was the year it was my turn to get boring finance books。 But I gave this book a chance and I'm FOREVER CHANGED！Not only is it a great way When I saw the cover of the book as I opened my Christmas gifts， I remember saying "。。。what the heck is this。。。？" and rolling my eyes （on the inside lol）。 It seemed like just another book about money that was gonna be super boring and unreliable。 In fact， I've always seen my older cousins receive books like these from their parents， and I guess I thought this was the year it was my turn to get boring finance books。 But I gave this book a chance and I'm FOREVER CHANGED！Not only is it a great way to learn about money when you have little to no knowledge or education on it， but the spiritual aspect is also insane！ It's not too much where it's a lecture on how to manage money， but just enough combined with cool anecdotes， straight to the point lessons， and a scripture here and there that ties all the purpose of money back to God。 And taught by some successful authors who have been through all the highs and lows of money。Part of my favourite lesson in the book is when they talk about the principles of money。 You MUST: give， save， and spend。 Before I was only saving and spending， and this made me spiritually dead。 There was nothing flowing out of me as a person， only in。 I was rotting like a river with no outflow， just collecting scum and dirt。 Selfish people DO have a spiritual smell to them， and a person who doesn't give is really dead。 WOW， I'm so glad I'm learning this at my age because I can't imagine the mistakes I would've made if I had continued just saving and spending without giving， and consistently giving， not just one or two Sundays where I'm feeling generous 。The reason why I say this changed my life is because I decided to use the lessons I learned about honouring your father and mother， specifically financially。 Dave Ramsey says， parents should not think about paying for their child's uni unless they're debt free and have started saving at least 15% of their income into retirement savings while having enough for an emergency fund for a rainy day。 AND LET ME TELL U I AGREE！！！ You may think you owe your parents NOTHING and that education is a right， but it's NOT， its a privilege。 I know my parents are definitely not debt free， and I'd hate for them to struggle to pay for my education， especially knowing with savings and hard work， I can absolutely pay for it with a part time job and side hustles。 I'm blessed to know they have saved enough for my first year of uni， but years 2-4 （which are actually gonna be 2x my first year tuition） are not at all covered。 I could sit there and tell them to take out loans， figure it out， and let me save my own money for MY life and MY future， while they sacrifice and struggle。 But the last thing I'm tryna be right now is selfish。 A student has 1000 ways of paying for college， no matter how rich or poor， （jobs， grants， scholarships， etc。） but adults at a certain age only have a few ways of saving for retirement。 The worst part about letting your parents struggle is watching them later rely on you to take care of them in their retirement， because they never had the opportunity to save for themselves。 I don't know how I would sleep at night knowing I could've helped them out in the past。 The point is I've decided to fully finance my 2nd to 4th years of uni by myself， with my own money。 I could talk about this book all day， like don't even get me started on how they teach how harmful and a scam owning a credit card is （even if you pay it off every month） but to stick with cash and debit。 I literally got an offer from my bank for a credit card and threw it right out！ I'm happy to say I'm looking forward to paying for everything in cash and debit in the future， never borrowing money or taking any type of loans， and doing my own zero based monthly budget where I tell my money what to do and not my money controlling me。 At the end of the day， we're supposed to be good managers of everything God has given us， and that included money。 Whether I like it or not， money and tragedy go hand in hand with my family tree。 The only way to change it is through educating myself and learning from my parents while they teach me the best they can and keeping the outmost respect for what they've done for me。 I'm eternally grateful for this Christmas gift and would 100% recommend this to anyone of any age！ 。。。more
Lindsay
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Definitely focuses much more on the philosophy and values system behind teaching kids about money and much less on practical tips/steps to do so。 There's nothing wrong with that if it's what you're looking for， but if you're already on board with the mindset of balancing firmness with compassion while actively teaching your kids about money management there isn't much here to help you in that journey other than encouragement for doing so。 The most practical and detailed advice given is for weddi Definitely focuses much more on the philosophy and values system behind teaching kids about money and much less on practical tips/steps to do so。 There's nothing wrong with that if it's what you're looking for， but if you're already on board with the mindset of balancing firmness with compassion while actively teaching your kids about money management there isn't much here to help you in that journey other than encouragement for doing so。 The most practical and detailed advice given is for wedding planning， which seems more an issue for adult children rather than minor children which the book is supposed to focus on。 。。。more
Nicola Mans
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I wish I had read this book many years ago。 I will likely reread it every year。 Excellent read with extremely helpful advice。
Sarah
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Useful information， but a good deal of redundancy。 Definitely worth the read， though， for parents wanting to raise financially literate kids！
Amanda Sevall
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The good: I liked the father/daughter back and forth。 What he did， how she perceived it。 Thought the financial content was really good， some great methods to teaching kids about handling money。 The not great: So preachy and out of touch with reality at times。 In some places it was offensive how bad it was。 Took those parts with a grain of salt because of their backgrounds/privilege/biases。 Would have been better without all that bs。
Vickie
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