Sunday, April 20, 2014

Smart Money Smart Kids (post 4)

We recently had the privilege of welcoming Dave Ramsey and Rachel Cruze to our church to share a message inspired by their upcoming book, Smart Money Smart Kids.  What a time of inspiration!

Our kids know very well who Dave and Rachel are.  They hear them on the radio often, and we certainly live out the principles they teach.  We are very intentional about sharing this money stuff with them, and we can say with confidence that they are truly getting it.  How rewarding it was to glance down and see them taking notes as they listened to the message!

Here is Smart Money Smart Kids through the eyes of our kids...
(It's obvious that one child tends to be direct and to the point, and the other likes to elaborate a bit!) 

I hope you will take the time to order your copy of Smart Money Smart Kids today!  Teach your kids well. Their future awaits.

Thursday, April 17, 2014

Smart Money Smart Kids (post 3)

Dave Ramsey and Rachel Cruze's upcoming book, Smart Money Smart Kids, is one that will inspire you from beginning to end.  The principles taught throughout this book are solid, God-honoring ones.  Embrace them!

May these quotes lead, encourage, and challenge you.  They have certainly done so for me.

I Was That Little Girl...

"From the very beginning, my parents gave me a legacy of debt-free living, and that’s one of the best gifts any parent could ever give their kids." - Rachel

Work: It's NOT a Four-Letter Word

"Our culture has made many wonderful advances to ensure the safety and well-being of children.  But we may have taken this too far.  Many parents today are so centered on what their children
want that they have lost perspective on what their children really need." - Dave

Spend: When It's Gone, It's Gone

"It takes tremendous strength and resolve to allow your kids to suffer the consequences of their decisions. They are persuasive, cute, and pushy, so it is really tough not to cave and say to yourself,
Well, they are only children." - Dave

Save: Wait for It

"When a kid buys something with money he or she has saved, it is not merely a financial transaction; you are watching poise, confidence, and maturity develop right before your eyes.  When you grow great behaviors and character traits in your children, you are really teaching them how to win at life." - Dave

Give: It's Not Yours Anyway

"But when your kids grow up in a house where giving is a priority, they start to see themselves differently because they see other people differently.  Other people become significant, and doing things for others becomes a priority." - Rachel

Budgeting: Tell It What To Do

"Children who can learn to plan and be forward-thinking are more poised and confident because life is not always happening to them—they are happening to life." - Dave

Debt: It IS a Four-Letter Word

"When you teach a child to lean on a plastic crutch, you are teaching them that they don’t have to delay pleasure, or sacrifice, or save up and pay cash for things." - Dave

College: Don't Graduate from I.O.U.

"I believe the two keys to graduating debt free are pretty simple: hard work and preparation." - Rachel

Contentment: The War For Your Child's Heart

"Contentment is a manner of traveling.  It’s an attitude of peace and joy where you are, even while you are working to be somewhere else." - Dave

Family: Put the FUN in Dysfunctional

"Every relationship in your child’s life has enormous potential to bless her more than you can imagine.  As the parent, you have the responsibility to manage who is coming in and out of your child’s life and what they’re bringing into it." - Rachel

Generational Handoff: Blessings or Curses

"One of the greatest gifts you’ll ever give your child is preparing her to thrive as an adult.  That happens through a lot of conversations, teachable moments, trial and error, and modeling
wise behavior with money." - Rachel

I Was That Dad...

"When we dropped a pass, we didn't quit the game and walk away.  Instead, we threw the pass again and again, so that at least sometimes it was caught." - Dave

Start reading the book now for FREE!  Click to download the first two chapters.

Thursday, April 3, 2014

Smart Money Smart Kids (post 2)

"When the parents' words and actions come together, it forms a powerful statement about that family's value system." - Rachel Cruze

In their upcoming book, Smart Money Smart Kids, Dave Ramsey and Rachel Cruze remind us more than once that our children are watching - that it is the consistency of what we say and what we do that dictates how we will influence our children.  Our family's value system will either be strengthened by our consistency or weakened by our lack thereof.

In the chapter on giving, Rachel so passionately encourages us to step outside our comfort zones, to give of ourselves in the world - and to do so from all of our resources (the "Time, Talents, and Treasure" idea of giving).  And it is so important for us to model this for our children and create ways for them to serve alongside us.  It is in doing so that we are creating opportunities for them to experience the joy of giving and to develop a heart for others.  Perhaps your family is doing well in this area, but for us, it is an area where we really need to grow.  We are a work in progress!

I love how the chapter then goes deeper.  Rachel and Dave discuss popping the bubble of the comforts and conveniences that surround our children.  If we are not intentional, our children will quickly gain an unhealthy perspective of their blessings.  I am reminded of this in my own home often, and it is in these moments that I understand the importance of teaching my children to look beyond themselves.

I am so grateful for this book and for how it has challenged me as a parent.  It truly is a must-read.