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Smart Money Smart Kids  By  cover art

Smart Money Smart Kids

By: Dave Ramsey,Rachel Cruze
Narrated by: Rachel Cruze,Dave Ramsey
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Publisher's Summary

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.

©2014 Lampo Licensing, LLC (P)2014 Lampo Licensing, LLC

What listeners say about Smart Money Smart Kids

Average Customer Ratings
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Essential Parenting Advice

If you could sum up Smart Money Smart Kids in three words, what would they be?

Financial advice for parents.

What other book might you compare Smart Money Smart Kids to and why?

Total Money Makeover, Financial Peace

What does Rachel Cruze and Dave Ramsey bring to the story that you wouldn’t experience if you just read the book?

The opportunity to hear Dave and Rachel deliver advice in their own cadence. The ability to hear the narrators passion on the content.

Was there a moment in the book that particularly moved you?

Dave's final chapter "I was that Dad..." - It's as if he's speaking directly to you, empowering you to take control of your family tree, and ultimately change your legacy.

Any additional comments?

Very good overall. Simple concepts to implement with your children. Having already begun discussing the ideas with my kids, I can say the results are immediate - and surprising.

39 people found this helpful

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Excellent ideas for all ages of children

Great, age appropriate ideas for your children of all ages. Love the stories from his actual children. I began the first day and it has gone very well for my three kids from 6 to 10 years old.

25 people found this helpful

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useful information in an irritating presentation

Rachel sounds like she's reading and has a grating voice. Dave is judgemental. They're both a bit narrow-minded. But ultimately it contains useful information I plan to put into practice.

16 people found this helpful

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Helpful & Practical, but Rachel is too dramatic

Great Stuff
Must Read
Listening is hard due to Rachel's over-the-top drama and wannabe professionalism the entire book.

14 people found this helpful

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Amazing👍🏽👌🏽👍🏽👈🏽

It's an amazing book that teaches you life lessons my 10 year old daughter even listened to it of course she didn't understand all of it but it's so cute how she try's to understand it👍🏽

13 people found this helpful

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Avoid

As a speaker on financial literacy I was interested in perspectives on getting very young children to appreciate the value of money. While this book has many good ideas, it goes way too far in others. In my opinion:
- The authors are boastful. Repeatedly.
- The constant religious references are destracting and annoying.
- The authors are extreme in their views on use of credit cards. Yes, avoiding credit is a good idea if you don't handle it responsibly, but for those of us who do pay our balances each month this book is dead wrong. Every time Dave Ramsay uses his debit card for a major purchase, he (and everyone who pays with cash or debit) indirectly transfers some of his wealth to me (and everyone who pays with a rewards card).
- Credit ratings are important. Again the author is on a tirade, but most of us won't escape a mortgage. Getting a lower interest rate because of a good credit score could save a homeowner tens of thousands of dollars over the life of that mortgage. Why is that dismissed?
- Commissioned salespeople are broadly despised for being too pushy, yet the author suggests children be paid 'commission' instead of 'allowance' for doing chores. Is that reclassification helpful or consistent with the preaching about not being greedy? No, even if the lesson that it must be earned is.

As you can tell, I did not enjoy this book. I am confident I can help the next generation win with money without being boastful, biased, or imposing my religious beliefs.

10 people found this helpful

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Practical Advice for Raising $ Smart Kids

This book is based on the authors' years and years of experience with helping people learn how to best handle their finances. The fact that this book focuses on raising money smart kids is great seeing that the two authors are a father-daughter team. This is really great to get both perspectives and it's also great for a lot of laughs.

Dave Ramsey and his daughter, Rachel Cruze, do a great job reading their own pieces of their own book.

Apply these principles to your life and your children's life ASAP and you will not be disappointed.

10 people found this helpful

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  • EE
  • 01-28-21

It's an alright book.

I'm not a religious person but I thought I'd give this a shot. Overall I liked the book. It has pretty good advice overall and I enjoyed the stories in it. I can't say I agree with everything on the book but overall most of the things made sense. Some of the stories were pretty good and made very good points.

One story that stuck out the most to me was when as a child the author spent her savings at a fair/carnival game booth and lost it all after getting excited and caught up in the moment. This happened to her as a child but one can imagine this happening to an adult at a casino, or in car dealership. Therefore, it is important to teach children from an early age the importance of managing money.

The book various stories as the one mentioned above which I dug. Some of the stories I must admit were boring. There is some mentioning of the bible which I kind of expected from a book with Ramsey in it and of course there is some of his jerk trade mark which I also expected from a book with his name on it. There are some bible references in the book but it was not proselytizing or overbearingly religious. The bible references were used to make a point. I am an atheist but I try to be respectful and keep an open mind and if it's something that will help me be a better parent why not?

Overall, I would say this book has pretty good advice and I might give it another listen in the future. if you can get it for free or for a discounted price even better but if you have the money and the time go for it.

9 people found this helpful

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Authors : You are missing something....

Overall fine, but somewhat unrealistic at times. I am sure great for some (especially the thoughts on raising money smart kids), but would recommend to be listened to with some common sense.

Maybe good for people who have no self-control. For example, I agree, credit cards can be horrible if not used wisely. I can still do a budget and use a credit card responsibly by paying monthly and gaining the 1-5% of what I put on it in cash back. Much safer and more economical than using a debit card or checks in this day and age of fraud! My children have almost all their cloths free from credit card rewards from partner stores. The authors themselves prove from their stories that they lacked that control (like so many do), so they had to go to this extreme. Second, I am glad they were able to put all three children through college without debt. Personally, I did not have that luxury that I am now able to provide my children. I did take a small amount of debt, while working 40+ hours a week, to get myself a great college education and resulting career. It was an investment paid off in two years, but would not have happened without the short-term loan. Third, when it comes to the home my family lives in, had we followed their plan, we would have been paying all that money for renting for 10+ years, instead of building equity in a home that we bought responsibly with 20% down. We are paying it off faster than planned, but thanks to the increased property value, tax deductions and lack of rent payment, it was a wise investment, but apparently against biblical teaching. Fourth, a minor note, if you are reading an audio book, don't refer to the printed material in the back of the book! Does not add to your credibility. Fifth, I am glad you were able to but your cars with cash. I have been blessed in being able to do so, but explain that to someone who is starting up and needs to get to a job and does not have the option of mass transportation.

Again, some sound advise that is taken to the extreme by using one person's interpretation of biblical teaching and with assumptions born of wealth despite the reported eye opening experiences they have had it their lives.

Finally a note to Audible: Please don't let authors read their own books!!!!!!! It may sound like a good idea, but it is not. This wasn't as bad as some, but leave the job to professional readers and stick to writing. I have yet to hear one that measured up to the level I have grown to expect from Audible performances and now avoid any books that have the author reading them.

6 people found this helpful

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Wish I knew this stuff about 30 years ago

Great book with practical how to that will help every family succeed in their financial management and training their children how to apply the principles to their lives at a young age.

6 people found this helpful

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  • Amazon Customer
  • 05-12-20

Some good tips but some very bad advice as well

Some excellent advice peppered through the book such as teaching children the value of work, budgeting, living within your means and giving back.

However there is some quite frankly dangerous and unhelpful rhetoric that masquerades as good advice in some sections of the book as well. The authors give financial advice from a position of privilege and it seems a lot of the advice is also geared towards people with privilege. The authors advise against all forms of debt including student loans, mortgages and credit cards. Student loans are an incredibly useful tool to allow those of us who's parents would not be able to afford paying for our university education. I would not have been able to attend medical school without them and would certainly have not progressed on to a successful career as a doctor. My parents came to the UK in their late forties with hardly any savings and worked incredibly hard to get and pay off a mortgage as well as save for their retirement. This meant i had to finance my own university education, pay for my wedding by myself and save a deposit for a mortgage for a house. None of this would have been possible had i not taken a student loan to finance my education. The authors seem to suggest going to a cheaper university, working through school and university to pay for the cost of education as possible solutions. Well i can reassure them that in the grand scheme of things the difference in costs of different medical schools are not vast sums and succeeding at medical school is a full time job. Even if you somehow find the time to get a part time job at university or school, the amounts earned are a pittance compared to the cost of university. Compare that time lost working when it could be used instead for building skills through extra-curricular activities and maximising your studying time to achieve the best grade possible.

Their perspective on mortgages is also outdated. Most people in the UK would be renting well in to their late thirties/early forties and possibly longer if they want to live in more expensive cities like london, if they waited until they could afford the property in cash.

Although the book is written by american authors, a lot of the issues i've raised will translate to american readers as well. A final problem with the book is the incredibly irritating, nasal and over dramatic voice of one of the authors narrating the book. If you do want to read the book, I would advise getting the paper or e-book edition of this book instead.

8 people found this helpful

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  • yana
  • 03-05-18

Great book

This is a must read for every parent, great advice that will help you raise champions.

4 people found this helpful

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  • Amazon Customer
  • 04-24-18

Awesome

I don’t even have children, but when I do (hopefully) I will use this plan!

3 people found this helpful

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  • Amazon Customer
  • 10-04-20

outstanding!

What a fantastic read. Not only did I learn more about myself and the financial mistakes I've made. I can now learn new principles and start teaching my young children. Thank you for your labour of love.

2 people found this helpful

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  • Mr Larrad
  • 06-16-19

Great book

Great book and interaction between Dave and his daughter, lots of practical ideas for everyone to help bring there kids up with good money sense and wisdom, and so that there not selfish, but teaches the value of giving.

1 person found this helpful

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  • TORA
  • 03-22-19

I don’t usually write reviews but this was so motivational.

Living in the uk I am not aware of Dave Ramsey but came across a podcast and thought I’d try this book. I started out with some scepticism as lots of self help books start well but I get bored part way through. Not this book, it starts well, giving practical help but gives the reasons behind the actions. I started out wanting to teach my teen how to respect money but am now inspired to work towards a legacy for my children, and that was not what I anticipated from this book. This is so much more than a money book, it is a guide and a crutch for parents to be the best they can be for their children. Thank you Dave and Rachel.

1 person found this helpful

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  • Barry
  • 12-13-18

Solid common sense approach.

I firmly believe that parents need every bit of help they can get with giving their kids as solid financial foundation as they can. It was interesting to get an insight into the character traits of a spender and a saver and how to change mindsets to find a balance to these opposite sides of the financial spectrum. Thanks guys for a great book.

1 person found this helpful

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  • Wilson Olaiya
  • 11-12-22

Unpopular but honest money management

I absolutely loved it. Wonder if it's still applicable in today's credit driven world though.

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  • Amazon Customer
  • 11-10-20

Great advice, annoying voice!

Some great tips and really useful advice but Rachel Cruz's voice is sadly difficult to endure.

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  • Edosa
  • 12-19-18

Valuable Tangible and Compelling

Lots of very valuable and tangible strategies delivered via lens of an extremely compelling personal story...

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  • Mayce Gray
  • 08-13-20

Inspiring

Being a Dave Ramsey fan I was excited to read this book to get some guidance for future money chats with my young kids, little did I know how truely inspiring I would find Rachel and Dave's compelling words. Many times I felt truely touched by the stories of the Ramsey family.

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  • Andreas Evju
  • 04-05-20

5 Stars is not enough

Now, this is by far the best teaching of financial principles available, period!!🥳👍No BS teachings.

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  • Wedzerai
  • 03-19-20

great great great book

one of the best money books I have read ever!
Dave you are a legend.
thanks for sharing.
and great that you narrated it too, that just made it easier to listen to. 👍🏿👌🏿💯

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  • Anonymous User
  • 02-27-20

Life and money lessons

A must read! I wish someone had taught me these money habits while I was at school. I feel a lot more optimistic about money and the future after listening to this book. Clever tips to afford schooling for children. This book addresses habits and behaviours which could keep you stuck with money. Highly recommend!

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  • Amazon Customer
  • 08-02-19

Teaching Kids the Respect of Money

Something for every age on this topic, generational wealth. This way we can make a difference going forward growing financial security opposed to draining it..

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  • Alexandria M.
  • 12-05-17

havent got kids yet. planning them in late 2018

i personally dont have kids yet. looking forward to re-listening this to in the future. what a great way to look at money. i am not religious- or American. i am Australian so I take what Dave and Rachael say with a grain of salt. i wish my mother taught me more about money. i hope to oven a block of units in the future. defiantly want to be a millionaire!!!

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  • andresa emidio
  • 10-16-17

what a great book for parents

awesome book that help parents to educate the kids about money! Real life examples I loved it. thanks guys

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  • Elizabeth
  • 06-29-16

Practical advice (even for my toddler!)

My husband and I did Dave Ramsey's Financial Peace University when we first got married (we were 19 and 20, and living on very little. But we had no debt and we wanted to learn how to use our money well)

Now, we have a two year old daughter, and I'm glad I listened to Smart Money Smart Kids. It's given me practical ideas I can use with my daughter, even though she's so young