 It comes up when I'm coaching people and even in my own group of friends. They want to teach their kids how to spend responsibly, the joy of giving generously, the value of 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.