 how you have hard work, how to avoid college debt, and more. If that's something you've been feeling too, don't worry. Instilling these values in your kids is easier than you think. You just need a guide. That's why my dad, Dave Ramsey, and I wrote a book, Smart Money, Smart Kids. This best-selling book is our no-nonsense approach to teaching kids and teens the basics of money. These money lessons are crucial to their financial future, especially right now in our debt-obsessed world.