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Smart Money Smart Kids: Raising the Next Generation to Win with Money (Englisch) Gebundene Ausgabe – 22. April 2014

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Über den Autor und weitere Mitwirkende

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.

Rachel Cruze is a seasoned communicator and presenter, who has been speaking to groups as large as 10,000 for nearly a decade. The daughter of Dave Ramsey, today she uses the knowledge and experiences from growing up in the Ramsey household to educate America's students and young adults on the proper ways to handle money and stay out of debt. You can follow Rachel on Twitter at @RachelCruze, online at RachelCruze.com or at facebook.com/rachelramseycruze.


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99 von 103 Kunden fanden die folgende Rezension hilfreich
HASH(0x991cdad4) von 5 Sternen The Greatest Gift You Can Give Your Child 22. April 2014
Von John Chancellor - Veröffentlicht auf Amazon.com
Format: Gebundene Ausgabe
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.
66 von 70 Kunden fanden die folgende Rezension hilfreich
HASH(0x991c53fc) von 5 Sternen Practical, timely and well written 22. April 2014
Von Stay in the Car Mom - Veröffentlicht auf Amazon.com
Format: Kindle Edition Verifizierter Kauf

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.
74 von 88 Kunden fanden die folgende Rezension hilfreich
HASH(0x9924e6d8) von 5 Sternen Smart Money, Smart Kids (A Review) 5. Juni 2014
Von Joshua N. Rhone - Veröffentlicht auf Amazon.com
Format: Gebundene Ausgabe
Dave Ramsey and Rachel Cruze (Dave's daughter) co-authored Smart Money Smart Kids: Raising the Next Generation to Win with Money, which BookLook Bloggers was kind enough to give me a copy to review.

Right off the bat, I need to lay my cards on the table. First, individually and as a church, we have utilized Dave's Financial Peace University curriculum (hereafter referred to as FPU). Second, I am the father of two children (ages four and six). Third, I'm not a financial guru. Fourth, and finally, I'm not one to read books on parenting or finances, let alone books about parenting and finances.

My biases disclosed, we now turn to the book. From a stylistic standpoint, while I'm used to reading academic journals and books that include chapters from a variety of authors, I've never been a huge fan of books that have co-authors. Personally, I find that many co-authored texts lack flow and can be incredibly disjointed, especially when attempting to tackle a main topic. In this case, I feel that Dave and Rachel's book is incredibly successful. Despite the minor annoyance of 'Dave: or Rachel:,' to notify the reader of who is responsible for a particular section/thought, the book flows quite naturally and, overall, is quite cohesive with respect to the overarching topic––raising kids who are smart (and/or 'win') with money.

As far as content is concerned, if you've gone through FPU (or, I assume if you have read Dave's books or listened to his radio show) there's quite a bit of overlap. One main difference, with respect to content, are the anecdotes and stories that Rachel brings to the table. As one reviewer on Amazon noted, 'Rachel softens Dave's rough (and at times abrasive) edges.' A second difference is a more detailed discussion of teenage finances, college debt, and weddings. (At least it was far more detailed than what we've encountered in FPU. I can't speak to Dave's books or radio show as I am unfamiliar with them.)

Three exceptionally strong pieces of advice, both in this book and in FPU, come in the form of:

An encouragement to save, delaying gratification and cultivating patience (chapter 4).
Giving...money, time & talents (chapter 5).
Teaching children about contentment––a strange thing in our have it now, have it my way, always better world (chapter 9).

The budgeting forms––geared toward older children and teenagers––are pretty handy as well.

That being said, while there's much that I appreciate about Dave Ramsey and the approach to finances that he teaches both in this book and elsewhere, there are some things that really goad me. First, the use of the NKJV. Why?! Second, here and elsewhere, Dave has constructed a theology of money––a theology, in my opinion, that is rooted in the American Dream more than anything else. Third, the advice that he (and Rachel) provide purport to help the next generation 'win with money.' Winning with money seems to equate to living the American Dream––wealth, financial stability, etc. This, once again, is part of the theology of money that Dave constructs both in this book and elsewhere. But, quite frankly, it's a theology that diminishes and/or dismisses the fact that the biblical text and its authors make no such promises.(And in reality, that's just the tip of a very big iceberg.)

So, here's the million dollar question: Would I recommend the book? Yes. It contains some good principles and advice, especially when it comes to having a conversation with one's kids regarding such things as savings, contentment, generosity, etc. However, it should (like everything else) be read judiciously. As a Christian, I'd be especially careful to weigh what Dave and Rachel have to say against the biblical text––with a keen eye toward the context of the passages that are quoted and what other passages, that may not have been quoted, have to say about the topics of money, success, poverty, etc.

Disclosure of Material Connection: I received this book free from the publisher through the BookLook Bloggers <[...]> book review bloggers program. I was not required to write a positive review. The opinions I have expressed are my own. I am disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255 <[...]l> : “Guides Concerning the Use of Endorsements and Testimonials in Advertising.”
10 von 10 Kunden fanden die folgende Rezension hilfreich
HASH(0x98fdcf30) von 5 Sternen Parenting Wisdom Accented by Grace and Humility 24. April 2014
Von Cherie - Veröffentlicht auf Amazon.com
Format: Gebundene Ausgabe
When you rise to the top of your field, the world proclaims you an expert. Many experts then turn their position and power into an untouchable level of wisdom. Mistakes of your past are swept aside and an unapproachable cult of personality arises. This is not the case for this work. Dave Ramsey and his daughter Rachel Cruze instead bring a message of hope to families hoping to instill wisdom into their children. Accentuating both their familial success and failure with finance, this book is punctuated with grace from start to finish.

No family is perfect - including the Ramseys. Dave and Rachel readily admit that there were points in this family's journey where they fell short. However, the key to raising money smart kids is found in consistency, boundaries, and allowing your children to both win and fail when it comes to both finance and life.

The foundation of the book is filled with philosophical wisdom and tips on the principles of Work, Giving, Saving, Spending, and Debt. Having read many of Ramsey's works I wasn't surprised with the content but loved Rachel Cruze's personal stories bringing context to these pillars of personal finance. An entire chapter is devoted to helping your child attend college without debt, which in the eyes of most of the world is seemingly impossible. The two shining chapters of the book dealt with contentment and familial relationships. "Money is never just about money." Cruze quips and the truth shines through our lives every day. Positioned near the end of the book, these were my favorite of all of the work.

Both Cruze and Ramsey are boldly humble throughout the entire book. I was honestly surprised at this consistent thread throughout the work. Dave Ramsey's bigger than life sometimes brash personality steps aside to share wisdom from a parental viewpoint through his mistakes. Rachel Cruze provides a grown child's point of view of having been raised in a financially savvy home and yet she isn't too proud to share her own missteps - like bouncing three checks as a young teen. The co-authorship flows seamlessly back and forth between the father and daughter, painting a clear complete picture of how families can raise kids who know their way around hard work and a dollar.

So many parenting books have left me feeling hopeless, like I was a lost cause as a mother. This work was empowering - filled with grace and encouragement from start to finish. The calling of passing on a solid financial foundation to my children has been redoubled and I'm excited about helping them learn more through daily "teachable moments." I'm thankful for the wisdom of this book as well as the energy it's provided to fuel my own journey.
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HASH(0x99a95ed0) von 5 Sternen Practical Tips for Raising Kids with Good (and Godly) Money Habits 22. April 2014
Von tswinnett - Veröffentlicht auf Amazon.com
Format: Kindle Edition
Whether you constantly struggle with debt and finances or feel you have a good, godly grasp on the subject, you may wonder how to pass on skills for handling money, that will not only prevent your children from the stress of debt, but teach them how to use their money in godly ways. Smart Money Smart Kids is written by Dave Ramsey and his adult daughter Rachel Cruze. The book does one of the best jobs I have seen of not only explaining what money skills you need to teach your children, but exactly how to do it.

While written from a Christian perspective, this book is not a Bible study. Ramsey and Cruze make no attempt though to hide their beliefs or how those beliefs influence their decisions in life. My only minor disagreement with them from the faith perspective, is that they believe the common Christian idea of tithing ten percent. I wish they had done a little deeper study, because they would have discovered that in the Old Testament people actually gave much more than 10% and in some instances in the New Testament, Christians were selling everything they had and sharing it to help others. Personally, our family tries to operate from the viewpoint that everything is God’s and we try to spend it in ways we believe please him, which generally means giving away much more than ten percent. This is a stretch goal for many and our slight disagreement on tithing does not negate my enthusiasm for the book as a whole.

Perhaps my favorite part of the way Ramsey and Cruze give their suggestions for teaching good money skills to our children is that they have really thought through all of the possible angles. I have seen many parenting books trashed by critics who misunderstood the advice or followed it in ways not promoted by the authors. Ramsey and Cruze address this more than once. They give concrete examples of people they have met who have misunderstood and followed advice they never actually gave. The authors are even more helpful because they explain why going to that extreme is actually harmful to your child and re-emphasizing what the original advice would look like in practice.

From how to teach saving and budgeting to how to handle paying for college, this book is a great how-to manual for teaching your children about money. Strangely enough, my husband and I found Dave Ramsey after we had already instituted many of these same ideas with our own daughter. We executed a few of them in a slightly different fashion, but the principles were the same.

Our family has not done everything perfectly with money, but I will say whenever we stick by the basic principles the Ramsey clan promotes, things go smoothly. The principles work – we can testify to it. Not only do my husband and I avoid financial arguments, but we have raised a child who is incredibly hard working and extremely money savvy, while also being extremely generous. (I was given a free sneak peek at this book by the authors in return for my honest review. This is a must-have parenting resource in my opinion.)
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