 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.