 Wow, busy, busy me. So anyway, the joy of being generous, 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. Just meet a guy. 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.