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اجعل طفلك عبقريًا ماليًّا حتى لو لم تكن كذلك
على مدار العقود الثلاثة الأخيرة، دخلت في الكثير من النقاشات حول الأطفال والمال - واستمعت للمزيد منها, حتى إنني ظهرت في برنامج "عالم سمسم" لأعلم "إلمو" كيفية الادخار، كما أني قضيت بعض الوقت في شارع وول ستريت، للتعرف على أفكار بعض من أفضل الخبراء في المجال, كما عملت مستشارة للرئيس باراك أوباما لشئون الأمريكيين الصغار، وأصدرت مبادرة المال في أثناء التربية، لتعليم الآباء أن أطفالهم يحتاجون إلى التعرف على الأمور المالية أيًّا كانت أعمارهم. كما قرأت، طوال تلك الفترة، العديد من الدراسات والتقارير في مجالات الاقتصاد السلوكي وعلم النفس الاجتماعي وبالطبع المال، حتى أظل على إلمام دائم بالموضوع الذي يزداد تعقيدًا يومًا بعد يوم.
وفي الوقت ذاته، تحدثت مع العشرات من الأسر أو استعمت إليهم - سواءً الآباء أو الأبناء - وذكرت القصص التي قاموا بروايتها في هذا الكتاب. كانت بعض هذه الأسر من أصدقائي وتعرفت على البعض الآخر خلال أبحاثي التي أجريتها من أجل هذا الكتاب (في أغلب الحالات، غيرت الأسماء والتفاصيل الشخصية من أجل حماية الأبرياء - والمذنبين في بعض الأحيان). وكانت الأفكار التي تلقيتها من هذه الأسر عن كيفية التعامل مع الأمور المالية تحمل قدرًا من الأهمية مساويًا لأهمية دراساتي الأكاديمية.
وكان هذا الكتاب هو الناتج, وفيه وضعت الدروس التي تحتاج إليها لتعليم أبنائك، سواءً كانوا في الثالثة أو الثالثة والعشرين من أعمارهم. وقد قسمت الفصول إلى ست مجموعات عمرية: الروضة، المدرسة الابتدائية، المدرسة الإعدادية، المدرسة الثانوية، الجامعة، الشباب. وإلى جانب الأساسيات المالية، ستجد تناولا متعمقًا للعديد من الموضوعات المتعلقة بالمال, وستتعلم أن مصروف الجيب ليس هو الهدف الأسمى عندما تعلم طفلك كيفية التعامل مع المال، وكيف أن الوظائف بعد اليوم الدراسي لا تكون هي الحل دائمًا. وستتعلم أن استسلامك لما يريده طفلك وهو في مرحلة الروضة في أثناء وجودكما في المتجر ستزيد من أرجحية أن يسيء استخدام بطاقته الائتمانية عندما يبلغ, كما ستكتشف أن فتح حساب مضاربة في البورصة لتعليم طفلك كيفية عمل سوق الأوراق المالية فكرة شديدة السوء, كما ستتعرف على السن المناسبة لإعطاء ابنك بطاقة ائتمانية، وأن تزويدها برصيد كافٍ من المال يُعد خطوة أبوية جيدة, كما سأعرفك على بعض الخطوات السديدة التي تتخذها من أجل مساعدة ابنك على تطوير أخلاقيات عمل قوية وادخار المزيد من الأموال التي يجنيها, كما ستمتلك دليلا خاليًا من المصطلحات الغريبة يتحدث عن كيفية دفع مصروفات الجامعة، والتعرف على السبب وراء اضطرارك للبدء بهذه الأحاديث قبل المرحلة الإعدادية.
وفي الوقت ذاته، تحدثت مع العشرات من الأسر أو استعمت إليهم - سواءً الآباء أو الأبناء - وذكرت القصص التي قاموا بروايتها في هذا الكتاب. كانت بعض هذه الأسر من أصدقائي وتعرفت على البعض الآخر خلال أبحاثي التي أجريتها من أجل هذا الكتاب (في أغلب الحالات، غيرت الأسماء والتفاصيل الشخصية من أجل حماية الأبرياء - والمذنبين في بعض الأحيان). وكانت الأفكار التي تلقيتها من هذه الأسر عن كيفية التعامل مع الأمور المالية تحمل قدرًا من الأهمية مساويًا لأهمية دراساتي الأكاديمية.
وكان هذا الكتاب هو الناتج, وفيه وضعت الدروس التي تحتاج إليها لتعليم أبنائك، سواءً كانوا في الثالثة أو الثالثة والعشرين من أعمارهم. وقد قسمت الفصول إلى ست مجموعات عمرية: الروضة، المدرسة الابتدائية، المدرسة الإعدادية، المدرسة الثانوية، الجامعة، الشباب. وإلى جانب الأساسيات المالية، ستجد تناولا متعمقًا للعديد من الموضوعات المتعلقة بالمال, وستتعلم أن مصروف الجيب ليس هو الهدف الأسمى عندما تعلم طفلك كيفية التعامل مع المال، وكيف أن الوظائف بعد اليوم الدراسي لا تكون هي الحل دائمًا. وستتعلم أن استسلامك لما يريده طفلك وهو في مرحلة الروضة في أثناء وجودكما في المتجر ستزيد من أرجحية أن يسيء استخدام بطاقته الائتمانية عندما يبلغ, كما ستكتشف أن فتح حساب مضاربة في البورصة لتعليم طفلك كيفية عمل سوق الأوراق المالية فكرة شديدة السوء, كما ستتعرف على السن المناسبة لإعطاء ابنك بطاقة ائتمانية، وأن تزويدها برصيد كافٍ من المال يُعد خطوة أبوية جيدة, كما سأعرفك على بعض الخطوات السديدة التي تتخذها من أجل مساعدة ابنك على تطوير أخلاقيات عمل قوية وادخار المزيد من الأموال التي يجنيها, كما ستمتلك دليلا خاليًا من المصطلحات الغريبة يتحدث عن كيفية دفع مصروفات الجامعة، والتعرف على السبب وراء اضطرارك للبدء بهذه الأحاديث قبل المرحلة الإعدادية.
267 pages, Kindle Edition
First published February 7, 2017
270 people are currently reading
2962 people want to read
About the author
Beth Kobliner
2 books48 followersOne of the nation’s leading authorities on personal finance for young people, BETH KOBLINER is a commentator and journalist, and author of the New York Times bestsellers GET A FINANCIAL LIFE & MAKE YOUR KID A MONEY GENIUS (EVEN IF YOU'RE NOT). Available now on Amazon, Barnes & Noble, & wherever books are sold.
In 2010, Beth was selected by President Barack Obama to be a member of the President’s Advisory Council on Financial Capability, where she created MoneyAsYouGrow.org. The site attracted more than 1.4 million visitors and was adopted by the Consumer Financial Protection Bureau in 2016.
A former columnist for Money magazine, Beth has written for numerous other publications, including the New York Times and the Wall Street Journal, as well as outlets such as Glamour; O, The Oprah Magazine; and The Huffington Post. She has appeared on numerous television and radio programs, from Today, Good Morning America, and the Early Show to National Public Radio’s Morning Edition. As a content advisor for Sesame Workshop’s financial education initiative For Me, For You, For Later, she offered on-air money advice to Elmo.
In 2010, Beth was selected by President Barack Obama to be a member of the President’s Advisory Council on Financial Capability, where she created MoneyAsYouGrow.org. The site attracted more than 1.4 million visitors and was adopted by the Consumer Financial Protection Bureau in 2016.
A former columnist for Money magazine, Beth has written for numerous other publications, including the New York Times and the Wall Street Journal, as well as outlets such as Glamour; O, The Oprah Magazine; and The Huffington Post. She has appeared on numerous television and radio programs, from Today, Good Morning America, and the Early Show to National Public Radio’s Morning Edition. As a content advisor for Sesame Workshop’s financial education initiative For Me, For You, For Later, she offered on-air money advice to Elmo.
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Displaying 1 - 30 of 198 reviews
February 23, 2017
The tone of this guide is conversational, which make all of its important information more bearable. each topic is divided into advice by the age of your child, which means this book will be relevant for.years to come. I definitely recommend buying a copy to refer to over and over again.
October 8, 2022
I thought this book was so great until I reached a chapter near the end ironically called ‘Giving Back’. There were two sentences there about a teenager and her passion for the environment that effectively discredited the entire book for me. Let me quote ‘If your kid is making personal attacks that seem unwarranted, you can say that you’re glad she’s developing her own value, but she has to allow other people to have their values too. Once she’s on her own, she can weave her own clothes on a loom made of sustainable Guatemalan hardwood and lecture her buddies about their carbon footprint until their eyes cross and she has no more friends’. This was in response to the daughter lecturing her brother about using plastic straws after she saw first hand the ramifications of single use plastics at a volunteer opportunity.
Ummm excuse me? How much more uneducated, immature, and ignorant could this author possibly be? Give back but don’t care about the planet? Have opinions but don’t be too passionate about them because people won’t agree? For someone who is promoting ‘discuss current affairs with your children’, she grossly missed the mark here and made fun of a teenager who had a passion for the greater good. Also sending a message to girls that your opinions will cause you to lose friends. Shame on Beth Kobliner.
Ummm excuse me? How much more uneducated, immature, and ignorant could this author possibly be? Give back but don’t care about the planet? Have opinions but don’t be too passionate about them because people won’t agree? For someone who is promoting ‘discuss current affairs with your children’, she grossly missed the mark here and made fun of a teenager who had a passion for the greater good. Also sending a message to girls that your opinions will cause you to lose friends. Shame on Beth Kobliner.
February 7, 2017
Excellent, very very complete and well structured guide for parents!
I highly recommend this book to both parents and educators to teach children the value of money, manage it, and provide them with invaluable lifelong tools, much needed to thrive, which are hardly taught at home or at school. This financial education should be a progressive and integral task, as parents must be consistent, take advantage of the circumstances of everyday life to create habits, and education must be based on principles.
In our complex consumer society and high advertising exposure this task may be easier if we get that saving is attractive to the children, and if we favor a smart choice of what the child is going to buy is a better acquisition, for his/her effort to postpone to a greater benefit.
Beth Kobliner explains how parents can teach their children to be smarter in spending money, from the basics of money and developing the habit of saving, credit cards, insurance, retirement plan, to key concepts on investments, and more. Each topic proposes examples based on real cases, developing the subject appropriate for each age group to teach from toddlers to young adults.
The book contains very nice comments from suggestions for handling tantrums during shopping to the smartest way for young people to pay for their wedding. It has very useful features with key points or rules for each topic, for example the 10 Investment rules for your Kid to Live by and The Money Genius Guide to Understanding your Paycheck, to mention a few. It also has a very interesting chapter that talks about giving, giving back from what we have received in life; this is very important, since sharing and contributing helps children to have more meaning, lead a more balanced and integral life, which translates into more happiness in life.
The author also mentions interesting information about recent research on how children who learn to manage their emotions - postpone their momentary cravings to achieve something they truly desire - become more responsible for the reach of their economic decisions, resulting in adults who save more, are more successful, reach higher levels of education, manage money as a resource that allows them to achieve many things in life.
My gratitude to the Publisher and NetGalley for allowing me to review the book
I highly recommend this book to both parents and educators to teach children the value of money, manage it, and provide them with invaluable lifelong tools, much needed to thrive, which are hardly taught at home or at school. This financial education should be a progressive and integral task, as parents must be consistent, take advantage of the circumstances of everyday life to create habits, and education must be based on principles.
In our complex consumer society and high advertising exposure this task may be easier if we get that saving is attractive to the children, and if we favor a smart choice of what the child is going to buy is a better acquisition, for his/her effort to postpone to a greater benefit.
Beth Kobliner explains how parents can teach their children to be smarter in spending money, from the basics of money and developing the habit of saving, credit cards, insurance, retirement plan, to key concepts on investments, and more. Each topic proposes examples based on real cases, developing the subject appropriate for each age group to teach from toddlers to young adults.
The book contains very nice comments from suggestions for handling tantrums during shopping to the smartest way for young people to pay for their wedding. It has very useful features with key points or rules for each topic, for example the 10 Investment rules for your Kid to Live by and The Money Genius Guide to Understanding your Paycheck, to mention a few. It also has a very interesting chapter that talks about giving, giving back from what we have received in life; this is very important, since sharing and contributing helps children to have more meaning, lead a more balanced and integral life, which translates into more happiness in life.
The author also mentions interesting information about recent research on how children who learn to manage their emotions - postpone their momentary cravings to achieve something they truly desire - become more responsible for the reach of their economic decisions, resulting in adults who save more, are more successful, reach higher levels of education, manage money as a resource that allows them to achieve many things in life.
My gratitude to the Publisher and NetGalley for allowing me to review the book
September 1, 2019
كتاب فخم جداً و مهم بنفس الوقت في الحقيقة قرأت النسخة العربية و المترجمة الصادرة عن مكتبة جرير بعنوان ( اجعل من ابنك عبقريا مالياً حتى لو لم تكن كذلك )
كتاب بسيط من 263 صفحة من القطع البسيطة , اعجبني سرد المواضيع و توصيل الفكرة بطريقة جداً سهلة , خصوصا ان نوعية هذه الكتب مملة جداً على القارئ لأنها جافة جداً . لكن بيث جعل الكتاب مزيجاً جميلا مع ادخاله قصص قام بجمعها من خلال المقابلات التي اجراها مع أصحاب المال ممن فشلوا في ادارة اموالهم و نجحوا في ذلك , ليعطينا طابعاً فريدا و لا يركز فقط على الناجحين و انما اخذ بعين الإعتبار قصص الفشل في البداية .
يقسم الكتاب الى 5 ابواب رئيسية و يقول الكاتب ان على الأهل توعية الأبناء في كل فئة عمرية من قبل الدراسة , المدرسة الإبتدائية , المتوسطة , الجامعية و ما بعد الجامعة . و ما اثار اعجابي في دراسة اجراها مركز دراسات امريكي موضوعة في الكتاب بأن سلوكيات الأطفال اتجاه الإنفاق و الإدخار تبدأ في التشكل من عمر 3 سنوات و حتى 5 سنوات . و نحن كعرب يمكن اعتبار ان هذه المرحلة اكثر المراحل الدلال ( الدلع ) لأطفالنا و كل ما يطلبه الطفل ينفذ فوراً و هذا خطأ قاتل على صعيد المعرفة المالية .
لفتت نظري عبارة في الكتاب " ان الأباء لم يعد يثقون في التعليم الجامعي بسبب التكلفة الباهظة للتعليم و ضعف المردود , فكانت افضل وسيلة هي تعليم مهارة ادارة المال منذ الصغر " هذا الكلام خطير نحن نتحدث عن الولايات المتحدة و الذي يقدر دخل الفرد بحوالي 30 الف دولار سنويا و يقولون مثل هذا الكلام فما بالك بدول عربية لا يتجاوز الدخل السنوي للفرد حاجز ال 2500 دولار .
لذلك اجد ان هذا الكتاب كنز رائع لتعليم الأطفال كيفية التعامل مع المال بطريقة جيدة و عملية .
في الكتاب وردت قصة لطيفة عن كاتي و التي كانت لديها ام ثرثارة , فسألت والدتها كيف اتينا الى هذه الحياة فغضبت الأم و غيرت الموضوع , استيقظت كاثرين في اليوم التالي لتعثر على كتاب يجيب على تساؤلاتها . فوضح الكاتب ان معظم اسئلة الأطفال يمكن الإجابة عليها عن طريق وضع كتاب إلا امور الإنفاق المالي من الصعب وضع كتاب لطفل يشرح له اهمية الإدخار بدلا من الخروج في رحلة مع اصدقاءة
في النهاية الكتاب يستحق الإقتناء و انا ارشحه كأفضل كتاب مالي قرأته موجه للأب و الأطفال , خصوصا مع وجود كتاب منافس له لروبرت كيوساكي صاحب سلسلة الأب الغني و الأب الفقير و لكن هذا الكتاب يتفوق عليه بأشواط كبيرة .
كتاب بسيط من 263 صفحة من القطع البسيطة , اعجبني سرد المواضيع و توصيل الفكرة بطريقة جداً سهلة , خصوصا ان نوعية هذه الكتب مملة جداً على القارئ لأنها جافة جداً . لكن بيث جعل الكتاب مزيجاً جميلا مع ادخاله قصص قام بجمعها من خلال المقابلات التي اجراها مع أصحاب المال ممن فشلوا في ادارة اموالهم و نجحوا في ذلك , ليعطينا طابعاً فريدا و لا يركز فقط على الناجحين و انما اخذ بعين الإعتبار قصص الفشل في البداية .
يقسم الكتاب الى 5 ابواب رئيسية و يقول الكاتب ان على الأهل توعية الأبناء في كل فئة عمرية من قبل الدراسة , المدرسة الإبتدائية , المتوسطة , الجامعية و ما بعد الجامعة . و ما اثار اعجابي في دراسة اجراها مركز دراسات امريكي موضوعة في الكتاب بأن سلوكيات الأطفال اتجاه الإنفاق و الإدخار تبدأ في التشكل من عمر 3 سنوات و حتى 5 سنوات . و نحن كعرب يمكن اعتبار ان هذه المرحلة اكثر المراحل الدلال ( الدلع ) لأطفالنا و كل ما يطلبه الطفل ينفذ فوراً و هذا خطأ قاتل على صعيد المعرفة المالية .
لفتت نظري عبارة في الكتاب " ان الأباء لم يعد يثقون في التعليم الجامعي بسبب التكلفة الباهظة للتعليم و ضعف المردود , فكانت افضل وسيلة هي تعليم مهارة ادارة المال منذ الصغر " هذا الكلام خطير نحن نتحدث عن الولايات المتحدة و الذي يقدر دخل الفرد بحوالي 30 الف دولار سنويا و يقولون مثل هذا الكلام فما بالك بدول عربية لا يتجاوز الدخل السنوي للفرد حاجز ال 2500 دولار .
لذلك اجد ان هذا الكتاب كنز رائع لتعليم الأطفال كيفية التعامل مع المال بطريقة جيدة و عملية .
في الكتاب وردت قصة لطيفة عن كاتي و التي كانت لديها ام ثرثارة , فسألت والدتها كيف اتينا الى هذه الحياة فغضبت الأم و غيرت الموضوع , استيقظت كاثرين في اليوم التالي لتعثر على كتاب يجيب على تساؤلاتها . فوضح الكاتب ان معظم اسئلة الأطفال يمكن الإجابة عليها عن طريق وضع كتاب إلا امور الإنفاق المالي من الصعب وضع كتاب لطفل يشرح له اهمية الإدخار بدلا من الخروج في رحلة مع اصدقاءة
في النهاية الكتاب يستحق الإقتناء و انا ارشحه كأفضل كتاب مالي قرأته موجه للأب و الأطفال , خصوصا مع وجود كتاب منافس له لروبرت كيوساكي صاحب سلسلة الأب الغني و الأب الفقير و لكن هذا الكتاب يتفوق عليه بأشواط كبيرة .
January 12, 2024
Solid guidance for parents to raise kids with financial savvy. The content also educates parents on their own finances as well. Informative but not super fun, which is exactly what I expected.
March 20, 2018
Good advice for talking to kids of all ages about money management. There is even a chapter at the end with some basics for adults. Some of my takeaways:
-Don’t tie allowance to regular chores. Kids can earn money for special chores, but regular ones should be done because they are part of the family.
-Have kids contribute to a “sharing jar” (money for charitable donations)
-Start saving for college when your kid is born (529 is one recommendation)
-Don’t pay kids for good grades. Pay them for effort instead (completing homework for a month for example)
One thing I disagreed with was the blanket statement to never co-sign a credit card with your child. My parents co-signing a credit card with me enabled me to travel abroad during college, and thanks to establishing credit history early, I had a credit score of 815 by the time I graduated. My husband, on the other hand, never had a credit card or any debt and started out with a score in the 600s. He had to jump through tons of hoops to build up his credit to an acceptable level.
-Don’t tie allowance to regular chores. Kids can earn money for special chores, but regular ones should be done because they are part of the family.
-Have kids contribute to a “sharing jar” (money for charitable donations)
-Start saving for college when your kid is born (529 is one recommendation)
-Don’t pay kids for good grades. Pay them for effort instead (completing homework for a month for example)
One thing I disagreed with was the blanket statement to never co-sign a credit card with your child. My parents co-signing a credit card with me enabled me to travel abroad during college, and thanks to establishing credit history early, I had a credit score of 815 by the time I graduated. My husband, on the other hand, never had a credit card or any debt and started out with a score in the 600s. He had to jump through tons of hoops to build up his credit to an acceptable level.
April 4, 2022
I read a few parenting books every year to assuage guilt, practice occasional self-congratulation, etc and I usually walk away with a nugget or 2 from every book, but rarely am I inspired to buy a book and give it a permanent place in our home library. I bought this book. It's full of practical advice, is not endlessly repetitive, and I think has provided me with the tools I need to FINALLY implement a workable allowance system with my kids.
February 8, 2020
Ignore the hyperbolic title and you have quite the helpful and exhaustive book for parents.
February 21, 2021
สุดยอดครับสำหรับพ่อแม่มือใหม่ที่กำลังหา Guidebook สำหรับสอนลูกเกี่ยวกับเรื่องเงิน มีการแบ่งเซคชันเด็กโต เด็กเล็ก ไปจนถึง First Jobber ชัดเจน เขียนเป็นข้อๆ อ่านเข้าใจง่าย และนำไปใช้ได้จริง (บ้าง) แต่บางบทก็อ่านข้ามๆ เช่นเรื่องหนี้มหาลัยซึ่งเป็นประเด็นแบบโคตรอเมริกัน
March 12, 2024
Honestly a disturbing read; I barely got past the first chapter. The best advice was not to lie to your kid about whether you have money on you. Once it started praising the *incredibly* debunked marshmallow study, I knew I wouldn’t be able to trust any of the research in the book… and the parenting philosophy was very convoluted but pretty much diametrically opposed to my entire approach. Have your child imagine a toy is covered in boogers so they will be able to hold off from buying it?? Here is a list of all the money information you should never give your kid? Incredibly out of touch unless you are an authoritarian, upper-class white capitalist looking to raise kids who reinforce all of the existing status quos.
I just forced my way through another awful parenting book so I decided not to waste any more time on this one.
I just forced my way through another awful parenting book so I decided not to waste any more time on this one.
June 12, 2017
Some great advice. My biggest takeaway is that I need to do a better job framing money for my kids at the level they are at - rather than just thinking oh well they are too young.
June 24, 2017
Super straightforward and clear with practical advice for ages as young as preschool. juuat what i was looking for.
February 22, 2018
This is a great book about finances for any person to read. I liked how the author broke up the chapters for different age ranges.
November 27, 2022
I think all kids should be exposed to this book by an adult who cares about their financial health throughout life. Our educational system does not do enough to teach kids what they need to know, so it is on us to take care of our children’s financial well being.
June 3, 2017
This book has some very good advice, but it is heavily focused on being able to pay for college.
Read
March 27, 2022This is full of good, basic info delivered in a friendly, accessible tone. I took a bunch of notes on practical, valuable takeaways.
June 16, 2020
This is the most helpful parenting book I've ever read. The chapters are broken down by age group with straightforward advice (teach your preschoolers the names of the coins, take your middle schooler to a college campus, don't buy your high schooler a new car, etc.). I loved working through each chapter with my kids, and I am genuinely excited to keep it handy as they grow up.
October 4, 2022
This is a must read . . . it is helpful as a parent and an individual . . .
May 23, 2025
I believe it is important to teach our children about financial matters. This book is a great roadmap.
August 31, 2022
Kobliner does a fantastic job of providing ideas and suggestions for parents to implement with kids of all ages. The best part is that Kobliner presents the information in a casual, conversational style that makes it easy to understand the why and how without demanding any particular level of financial savvy on the part of the parent. Regardless of whether you grew up knowing about money management or you’re still trying to figure it out yourself, you should walk away with some fresh, actionable take-aways for your kids after reading this book.
February 16, 2017
The book Make Your Kid a Money Genius (Even If You’re Not) addresses all sorts of important money issues like investing, savings, paying for college, working in high school, insurance, paying off debt, spending, and more.
I super loved how each chapter has specific instructions on how to start implementing good money practices at whatever age your child is at, whether preschool, elementary, middle school, high school, college, or young adult. Too many books I’ve read are only geared (really) toward a certain age group, or it seems some advice only fits for certain times. But, she really breaks down great practices and implementation for even the youngest budding money users and consumers!
With four young kids, this is very helpful to me. The preschool and elementary sections, especially, are full of “teachable moments” that help me, as the parent, teach my children certain character traits and perspectives that will translate into smart money management later, like strong work ethics, developing self-control, weighing choices carefully, perseverance to work toward distant goals, and having a giving spirit.
Also, all of her information in the investing chapters makes me want to run out and open a Roth IRA or other investment right now!
I wrote an entire (sponsored) blog post about what I learned from in regards to children being paid to do chores or not and if your kids should receive an allowance. See it here: http://www.whatsupfagans.com/2017/02/...
I super loved how each chapter has specific instructions on how to start implementing good money practices at whatever age your child is at, whether preschool, elementary, middle school, high school, college, or young adult. Too many books I’ve read are only geared (really) toward a certain age group, or it seems some advice only fits for certain times. But, she really breaks down great practices and implementation for even the youngest budding money users and consumers!
With four young kids, this is very helpful to me. The preschool and elementary sections, especially, are full of “teachable moments” that help me, as the parent, teach my children certain character traits and perspectives that will translate into smart money management later, like strong work ethics, developing self-control, weighing choices carefully, perseverance to work toward distant goals, and having a giving spirit.
Also, all of her information in the investing chapters makes me want to run out and open a Roth IRA or other investment right now!
I wrote an entire (sponsored) blog post about what I learned from in regards to children being paid to do chores or not and if your kids should receive an allowance. See it here: http://www.whatsupfagans.com/2017/02/...
December 4, 2018
If you're already familiar with basic financial intelligence then you won't find much new in this book. It's a nice, easy overview of how to instill that financial intelligence in your kids, though. There are ten chapters, each focused on a different topic such as responsible spending and improved saving and investing. Each chapter is broken down into age sections: preschool, elementary school, middle school, high school, college, and young adult. You could read just the ages of your children but it's a quick enough read with enough information that you should just read the whole thing. I did skim the details about college finances since I'm "still" about a decade from that.
The lessons are very similar to those I'd already absorbed from sources like Your Money or Your Life and Mr. Money Mustache and even Tony Robbins' Money. It boils down to: get health insurance, get term life insurance, max out retirement savings accounts, reduce spending, and walk the talk to provide a shining example for your children.
As seems to be the norm for this book genre, the author includes plenty of anecdotes and injects plenty of humor into her writing. I guess it's the easiest way to humanize financial advice. And we learn better from stories than dry facts. It's a very personable book to read and that makes it easy to absorb.
The lessons are very similar to those I'd already absorbed from sources like Your Money or Your Life and Mr. Money Mustache and even Tony Robbins' Money. It boils down to: get health insurance, get term life insurance, max out retirement savings accounts, reduce spending, and walk the talk to provide a shining example for your children.
As seems to be the norm for this book genre, the author includes plenty of anecdotes and injects plenty of humor into her writing. I guess it's the easiest way to humanize financial advice. And we learn better from stories than dry facts. It's a very personable book to read and that makes it easy to absorb.
May 27, 2023
Interesting opinions. I will probably read this again when my baby is a little older
November 22, 2017
Great read- recommended for those who have been meaning to do something about their finances, those who need guidance, really honestly a great read for those who know nothing about saving money to those who are financially savvy. It has excellent simple explanations and references for those who do not understand wall street talk. A must read for anyone looking to fix their finances even if you do not have children.
May 22, 2017
Great book for parents. I'm pretty money savvy myself, but I learned a lot about how and when to talk to my son about money, and how to teach him smart strategies. Very practical tips for all ages, starting from Kindergarten till College. Must read for parents who want to raise their kids to e financially independent.
November 1, 2017
This book was great. I don't feel like I will be able to make my kid a money genius from reading this book, however, I learned a lot and refreshed my memory on many important topics. This book definitely has a 'wealth' of information that will be vital in helping my children succeed in life. Not only with money, but how to prep for college and adult life. I would recommend this book to all.
May 16, 2020
Having 3 kids, I love this book! It has some good information and most importantly it's a very easy
read. Great to pick up, read a bit and put down, which is always good when you have kids! You can go right to your child's age, and she tells you her ideas. Of course there is the usual stuff, but I feel it helped me talk to my kids about money. Good discussion starter. -Pam
read. Great to pick up, read a bit and put down, which is always good when you have kids! You can go right to your child's age, and she tells you her ideas. Of course there is the usual stuff, but I feel it helped me talk to my kids about money. Good discussion starter. -Pam
August 16, 2021
I love how Kobliner gives sample talking points for each developmental stage and educates the parents, too, on the gravity of wise financial decisions, all while staying lighthearted and compassionate. I will refer back to this book many times as my kids grow up!
May 25, 2017
Great book.. Very informative, even for those that are money savvy.
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