Smart Money Smart Kids

Raising the Next Generation to Win with Money
Narrated by: Rachel Cruze, Dave Ramsey
Length: 7 hrs and 19 mins
5 out of 5 stars (3,686 ratings)

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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
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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.

23 people found this helpful

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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.

33 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.

5 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👍🏽

10 people found this helpful

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awesome book

Everything about this book is great! Simple and practical. Would recommend it to every and any parent!

4 people found this helpful

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Required Reading

A must read for every parent. Buy this for yourself, and gift one to a couple that are expecting. It's that important!

3 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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Prepare your child for financial independence!

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

Short. Smart. Statregic.

Which scene was your favorite?

Love that Rachel is co-authoring this.

What’s an idea from the book that you will remember?

I wish I had learned this information before I was on my own.

Any additional comments?

This book raised chills up my spine. It is that important and vital.

5 people found this helpful

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Not surprised... Absolutely terrific!!

I loved the way the book was laid out. I think Rachel did a fantastic job at using her own life's experiences to show how she learned herself, as a child, the values that Dave teaches. Dave's honest input, with his common sense & light touches of biblical influence... Very insightful. I finished the book wishing I would have had it years ago before my kiddos were grown... But can still implement a lot with advice and shared knowledge. Thanks Dave and Rachel!

2 people found this helpful

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Love this book!!

This book was amazing, taught me a lot about how to teach my kids to handle money, well worth the read!! And I love that Dave and Rachel both read the book to you.

5 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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  • yana
  • 03-05-18

Great book

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

2 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.

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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.

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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.

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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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  • 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.

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  • Aminah
  • 11-28-18

Great guidance

This week be implemented in my family for sure. I will reread and take notes

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  • BuyOnce
  • 09-29-18

Thank you Dave and Rachel.

Thank you Dave and Rachel. This is one of the best audio books I've listened to. It's been a most helpful parenting book and we are so grateful to you for writing it and presenting it on audible so well. This will change the lives of our kids if we are money smart parents :) and we intend to be!

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  • Rachel C
  • 10-05-16

A must read!

This is a must read for everyone with children or who has children in their lives!! Easy listening, great advice!!

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  • Anonymous User
  • 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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  • Anonymous User
  • 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