In Smart Money Smart Kids , Dave Ramsey and his daughter, Rachel Cruze, team up to share some personal family stories you don't want to miss Get a no-nonsense approach for teaching your kids and teens the basics of money. Find practical strategies to raise money-smart kids in this debt-crazed world. Smart Money Smart Kids offers common-sense ways to teach these money lessons: Where money comes from The value of hard work How to save, spend, and give Debt, and how to avoid it Paying cash for college Living responsibly