Many of us were raised, intentionally or unintentionally, with ideas, beliefs, habits, or non-skills, about money, that now, as adults, we recognize as unhealthy, unconstructive, inaccurate, dysfunctional, or irrelevant money concepts.

Some of the common dysfunctional money belief/habits are:

• I can’t be wealthy and truly religious or spiritual at the same time – these concepts are paradoxical to each other; also known as:
• I should give away my money, talents, and energy, and keep very little for me, or else I will become “materialistic”, and a “hog,” “hoarder,” a “mizer,” or a “Scrooge.” Also known as:
• I should save all of my money because it might be scarce some day.
• The Spiritual Teacher that I follow was poor, so I should be poor. Also know as:
• I don’t really “need” money (or things) because I am about love, not materialistic things.
• I must have a credit card as a security net – I need a credit card for my sense of financial security.
• Without a credit card, I feel naked – I would be lost in an emergency.
• Spending money is bad.
• I’ll be able to save more when I make more money.
• The key to being wealthy is to make more money in my job/profession.
• I can’t invest my money (and become wealthy like other people) because I don’t have the education or knowledge for it – I don’t know how to do it.
• I can’t invest my money (and become wealthy like other people) because I might lose it – I can’t afford to lose any of my money.
• I can’t invest my money (and become wealthy like other people) because I have ZERO risk tolerance – or – I don’t know what risk-reward is.
• My family comes from the other side of the tracks, so I’ll succeed at life better than them – but never as good as the wealthy people.
• Money doesn’t grow on trees.
• You need to work hard to have money.

AND THE ALL-TIME FAVORITE:

• I don’t deserve Wealth, Money, Nice Things, because, deep down, in a secret place in the core of my being, I believe that I am not truly deserving or worthy of it.

Sometimes it takes a lot of: Healing, Education, & Self Improvement to overcome these well-meaning, but ultimately dysfunctional approaches to money.

THEN, You arrive where you are at NOW.

You now understand:

• That you are worthy and deserving of goodness, love, and abundance of all kinds – including money (even if you don’t always feel that way).
• That life is made up of all of the different kinds of abundance (as Creflo Dollar says “all of the pieces of the pie – love, health, financial prosperity, spirituality, relationships, creativity/profession”) – and if one is missing – then it detracts from the wholeness of life.
• That money (when combined with your skills and inspiration) makes more money.
• That your financial lack does not help others, or, as Dr. Wayne Dyer says, “You can never be poor enough to help a starving child.”
• That ROI means Return On Investment.
• That an Asset is something that gives you ROI.
• That Your Divine God/Source/Universe wants good and abundance for you – but the choice to get in alignment with that truth is up to you.
• That while a religious institution may shun financial abundance, what that institution has really done is to take one concept – “it’s important to help others” – and has turned it on its head and added – “at the deprivation of yourself at all times”
• That spirituality and money reside as comfortably together as any other 2 forms of abundance
• That financial freedom and independence occurs when your ROI exceeds your living expenses. (Robert Kiyosaki’s “Cash Flow 101” game definition of getting off of “the Rat Race.”)
• That business and investment opportunities are everywhere – once you shift your focus.
• That almost all consumer debt is antithetical to building wealth.
• That debt used to invest in vehicles that have a profitable net ROI can be a very good use of money.
• That financial security comes not from a credit card, but from a good savings account.
• That a financial education about how money works and investments can be obtained with relatively little money, and with a relatively small investment of time and attention.
• That financial security is not a replacement for love, wisdom, spirituality, health or happiness.
• That trying to heal a love or security wound by acquiring wealth will result in irrational money attachments and habits.
• That the more you know about how money works, and the more financial independence you have, the more free you are to explore your hidden talents, your unique purpose, and your gifts to others.

If you have not yet learned or internalized all of this money wisdom yet, fear not. Just keep pursuing your financial education by utilizing any of the Resources noted below along with “The Kids’ Bank Book” for your children. NOTE: "The Kids’ Bank Book" assumes that not everyone is completely fluent in “Return On Investment,” and does spend some time explaining some key financial concepts including ROI and the importance of Compound Interest.

NOW, you are blessed with Children, and you want to ensure that when they leave the nest at adulthood, they will be armed with this same financial insight and wisdom.

• You want to teach them great money habits.
• You want them to start learning now – while they’re still young - at the age they’re at NOW!
• Are they too old? No.
• Are they too young? This book will help you teach your 5 year old kindergartener– and maybe even your 4 year old pre-K child – how to handle money and even, the concept of Return On Investment!
• Do you have enough financial knowledge to teach them? With “The Kids’ Bank Book,” you’ll have all the knowledge you need to start today. 
• Do you have the tools to teach them? There are VERY few “tools” on the market to teach children about money. I have yet to find a tool that is as thorough, detailed, easy to read, or enjoyable as “The Kids’ Bank Book.” In fact, that’s why it was created – because no other product completely fills this need.
• Do you have great teaching skills? If you are a creative teacher, then you will have fun spending time with your children and money after reading “The Kids’ Bank Book. If teaching is not your strength, then “The Kids’ Bank Book” provides the “HOW TO” that is missing from your toolkit, and that is necessary to teaching your children wise money habits. You won’t realize what a wonderful teacher you are being to your children, because you will just experience it as a fun time with your children – no lectures, no frustration, no tears.

With what you learn in "The Kids' Bank Book" ebook, you can teach your children what you wish your parents had taught you about money. You can teach your children that:

Wealth is defined as: your investments (not your work income) generating a return that is enough money for you to live comfortably (according to your tastes), give to others, and add to your investments

Receiving a paycheck (or self-employment, small business income) without any receiving any investment return will never generate wealth

You can enjoy spending money guilt-free

You can use a simple system to spend money, saving money, donating money, and investing money regardless of your income

Money is not happiness, nor is it evil - it is a tool

You can use money as a tool to achieve your goals and create the life you want, e.g. caring for your family, comfortable living, helping others, contributing to society

Money does grow on trees - it does grow more money - a.k.a. “Return On Investment” or “ROI”

The Road to Wealth is paved with Return On Investments, not a bigger paycheck from an employer

Scrimping every penny and constantly sacrificing out of fear of future financial lack, breeds more scarcity, not more financial abundance

Being poor does not help poor people become wealthy

Being wealthy allows you to contribute thousands and millions of dollars to charitable causes - and you don’t need to “sell your soul” to generate wealth - you can do it in alignment with your value system

Being a small business owner or self-employed professional is a small improvement from receiving a paycheck, and alone - without a Return On Investment - will not make you wealthy

The true value of compound interest - that earning interest (or Return On Investment) on the interest recently received - creates wealth VERY quickly

Compound Interest on credit cards will create huge debt even quicker

Having misapplied debt (e.g. consumer debt, or debt that is not connected to a worthwhile investment returning a higher ROI than the interest on the debt) will rob you of all the good, positive feelings and energy that you need to create wealth

Everyone can be wealthy - financial abundance is not based on zero-sum-gain

Here are some questions you may have:

Do I have the financial resources to apply the information and tools in “The Kids’ Bank Book?” Yes! The Book has detailed worksheets that you can use – and that are right for you – regardless of your financial circumstances. It even has a section on what to do if you financial circumstances change. The Book was written for parents of a variety of financial circumstances:

1. Many Debt-Ridden Parents - who are on a path to get out from under credit card debt, and who want to start teaching their children good money habits as early as possible so that their children can completely avoid the credit card nightmare when they are adults.
2. Wealthy – but not yet Financially Independent –Parents – who are managing their money fairly well, but are not yet off of “The Rat Race,” and who want to start teaching their children good money habits as early as possible so that their children understand how money works right from the beginning of their adulthood, and who want their children to appreciate the financial abundance that provides for their very comfortable lifestyle.
3. Completely Financially Independent Parents – who understand how money works and how money makes money, but do not necessarily have the inclination/talent to create a curriculum or strategy – in a way that relates to children – to teach their children (1) to appreciate the financial blessings that they have, (2) to understand how money works, and (3) to become good money managers and good givers.

Do I have the time to invest in reading and understanding the material in “The Kids’ Bank Book”? Yes! At just under 100 pages, and in an easy-to-read writing style, the Book is a pleasure. It is divided into 2 parts – “The Theory” and “The HOW TO.” You get both the explanation, and the application instructions. Short on time? Skip to your favorite section. The Chapters are direct and brief – so you can comfortably finish a complete idea during coffee break.

What exactly will I learn in “The Kids’ Bank Book”? A review of the Table of Contents of “The Kids’ Bank Book” shows that it covers all of the topics related to teaching your children about money – the underlying theory of teaching kids wealth habits – how to start their banks – what about a bank for parents – how to determine allowance amounts – how to actually to do the weekly money day activities – why piggy banks don’t work – how to get a proper kids wealth bank (and no, you won’t find it in the open-market yet!) – what is ROI – how can anyone teach ROI to a child – how to train yourself to teach instead of lecture – what a real life money teaching experience looks and sounds like – whether your teenager should get a job – how to determine what expenses your children should pay for – charts, charts, and charts on various allowance and ROI scenarios – more TIPS – more Resources (with personal recommendations) – more information about chores – etc.

Do I want to know more about what is in “The Kids’ Bank Book”? Here is a complete listing of the Table of Contents from “The Kids’ Bank Book”:

PART ONE: The Theory

Chapter 1 Welcome to Wealth Training Your Kids

Chapter 2 The Theory & The “How To”

Chapter 3 The Kid’s Bank

Chapter 4 Funding the Kid’s Bank

Chapter 5 Funding the Bank of Parents

Chapter 6 About Allowance

Chapter 7 How to Determine Allowance Amounts

Chapter 8 What Does Return On Investment (ROI) Mean?

Chapter 9 Determining the ROI of the More Money Bank

PART TWO: The “How To”

Chapter 10 How to “Teach” Money

Chapter 11 How to Use Sameness and Differentness

Chapter 12 Pennies Are Special

Chapter 13 Other Ages

Chapter 14 What Things will the Child Be Required to Use

His/Her Spending Money for?

Chapter 15 What to Do When a Change is Needed

Appendix 1 Tips on Making a Kid’s Bank

Appendix 2 Resources

Appendix 3 Teamwork

Appendix 4 Interest Rate & Flat Rate ROI Spreadsheets

Do you want to start preparing your kids for wealth now? “The Kids’ Bank Book” is easy to download immediately. It appears in your internet browser window, and can be saved as a webpage or a Word document, for viewing or printing. At just under 100 pages, it can easily be used with a binder clip, or 3-hole punch paper in a 3-ring binder.

Do you want the opportunity to ask a question of the author? A follow-up email will offer you the opportunity to receive an answer to a question you may have about how “The Kids’ Bank Book” applies to your specific situation. Of course, we always love to receive feedback from our readers, so please feel free to share your strength, hope and joy with us by e-mail at: markham@kidsbankbook.com.

Do you know what your ROI from your Kids’ Bank Book $27 purchase will be? Now you’re talking! The Return On Investment of your $27 investment into your children’s financially education and future financial independence, starts with:

1. Your peace of mind (value: “priceless”)
2. Your children’s future adult financial freedom (value: “priceless,” with generations of financial wisdom, stability, creativity, contributions to society, your future grandchildren’s well-being, . . .)
3. Your child’s new abilities of: Planning, Anticipation, Independence, Empowerment, Responsibility, and Self-Satisfaction

Then your ROI moves on to more tangible Returns:

• Your allowance monies (that you give to your children) are used for learning about money
• Your allowance monies (that you give to your children) are invested, saved, donated and spent wisely
• No more allowance money squandered by undirected or misguided children
• Your teaching efforts are well-received by your children – even enjoyed!
• No more pre-teen and teenager eyes “rolling” at you while they silently utter “whatever”
• No more lectures (heck, your children would probably value that at several hundred dollars!) – what do you value your energy drain at when you feel forced to lecture your children about behaving better?
• Your time is well-used in applying a wise, practical, simple approach to teaching money to your children
• No more wasting time and effort on various money-teachign approaches
• No more researching ways to get your children to understand money
• No more energy wasted on negative attitudes about money – by anyone in the family
• No more money wasted on books your teenager won’t read anyway
• No more money wasted on “lesson” and “morals” games that will sit in your children’s closet
• No more arguments or “discussions” about your teenagers needing to pay for their own activities
• The thousands of dollars will you save because you won’t have to worry about them when your children become an adults (and have children of their own):
• They won’t ask you for rent or light bill money
• They won’t move back home for lack of funds
• They won’t worry or complain about car trouble or doctor bills
• You will also have an opportunity in Appendix 1 of the Kids’ Bank Book to receive a 2nd copy of the Book for FREE! So, you can get a 100% ROI!

For less than the price of movie tickets for a family of three, you can have all of the tools you need to teach and instill in your children the wisdom and habits of sound money management.

Do you know How you will teach your children about money, if not with The Kids’ Bank Book? Do you know When you will teach them, if not Now? Do you know What you will teach them, if not these wealth-building Habits? You can start right now, teaching them the keys to financial independence, with the best tools. You can do it even if you are not yet financially independent or out of consumer debt. It’s even more important to start now if you are financially independent, because without the right training, your children will not learn the financial wisdom necessary to maintain or grow the wealth with which that they set sail. 

I want to teach my children the best financial skills and habits!

Show Me How in "The Kids’ Bank Book" eBook Now!

Want More Resources to help you grow and overcome your dysfunctional money childhood? Here are some of the Best:

Robert Kiyosaki's classic, "Rich Dad, Poor Dad," on CD so you can listen while you're driving! If you're not yet familiar with "Rich Dad, Poor Dad," it's a great book! Kiyosaki is a good story teller, and in telling his true childhood story, he teaches you about money, how it works, and how to get it to work for you. You'll learn and appreciate "Return on Investment" or "ROI."

Robert Kiyosaki's classic, "Rich Dad, Poor Dad," in the traditional book format (for traditional readers):

In "Automatic Millionaire," David Bach really brings home the concepts that small savings can build to huge wealth (if not hindered by useless debt), and how useless debt can suck you dry regardless of how much you try to save! Peace of Mind comes, in part, from living with your finances on "automatic." Make the big decisions, then set up the process on automatic so that you're not trying to make the same tough decisions over and over again.

Want to know if your child can really do something with his/her money beyond just buying a new pair of sneakers? Find out how several teenagers created businesses and made millions. Good kids, great stories, wonderful value systems! "The Richest Kids in America," by Mark Victor Hansen, co-author of "Chicken Soup for the Soul."

"Transforming Debt into Wealth," by John Cummata has a ton of resources that will get you on the right track and out of debt, if you're still struggling with financial stress while you're teaching your kids the keys to financial wealth.