Overview

Most teenagers leaving school lack financial literacy and are easy prey for financial scams, student debt, high-interest credit, bad investments and dubious money-making schemes. Smarter Richer Braver helps you understand what you can do to empower your teen to take control of their finances and make educated decisions about how to use their money. This book will help you: Understand the roadblocks and complexities of financial education for the next generation Accept responsibility for the financial empowerment of your teenagers Teach your teenagers the importance of building healthy financial habits that will benefit them for years to come Recognise the mistakes to avoid with your teens to save you from spending time, money and effort repairing the damage Learn what to look for in a professional financial education programme and ensure you and your teens get the best deal

Full Product Details

9781781336861

Table of Contents

Reviews

‘Teenagers are leaving school unprepared for the world of money. Immediately they are prey for high-interest credit cards, student debt, financial scams and the ruthless gig economy. They might have passed all their exams and done well at their after-school hobbies but little of it will have them ready for the real world. Be­fore the internet, young people had time to learn, they were unlikely to be exposed to promotions or “special offers” that could seriously damage their finances. To­day’s teens can be influenced directly through their social media and their time online. It’s deeply impor­tant that parents read Smarter Richer Braver and apply the messages and strategies it talks about before your kids are able to sign contracts they don’t understand. Smarter Richer Braver allows parents to get in early and prepare their kids; not only to avoid bad decisions but to begin a lifetime of great choices that will make them secure, successful and wealthier over time.’ Daniel Priestley, founder of Dent Global, entrepreneur and author of How To Raise Entrepreneurial Kids ‘Smarter Richer Braver is the consummate reader’s guide to making financial literacy topics accessible to every family and every young person looking to take com­mand of their economic future. Marilyn Pinto has cap­tured the essence of what will work – and what will not – in educating our children to be more financially literate in a challenging world. It is a must-read for parents – and educators.’ Robert G. Badal, co-founder, Financial Literacy Project, Santa Barbara ‘In Smarter Richer Braver, Marilyn L. Pinto asks excellent questions about teens and money, inspiring us to initi­ate financial education for the next generation.’ Andrew Hallam, bestselling author of Millionaire Teacher: The Nine Rules of Wealth You Should Have Learned at School ‘Teenagers now, more than ever, need to be prepared for a financial future that is uncertain and complex. Smarter Richer Braver highlights the need and roadmap to empower them how to embrace their financial future.’ Robert Gardner, chair of the Children’s Financial Education Policy Council UK ‘Teenagers today need to learn about money. Schools don’t do it properly, so teens are learning from the wrong people, including peers who are just as clueless as they are, and financial marketers who want to sell them unsuitable products and services. As Marilyn Pinto says in Smarter Richer Braver, parents have to take responsibility for their children’s financial education. Helping teenagers to develop a healthy relationship with money and, crucially, good financial habits, is one of the most valuable things a parent can do for them.’ Robin Powell, journalist, author and editor of The Evidence-Based Investor ‘If you think teaching kids about money isn’t important, think again. Smarter Richer Braver sets out, in no uncer­tain terms, why all families need to take action now to make sure their teens grow up financially healthy. I’d recommend to all families who want to change their kids’ financial future for the better.’ Will Rainey, author of Grandpa’s Fortune Fables ‘I look back on school with frustration. Why was I never taught about money and finances? Why did nobody explain my options to me? I’ve always been conscientious, and so I saved my money in low-interest savings accounts in my early twenties, but how much money could my savings have been making me had I known what I know now? I’m so pleased that someone is finally teaching our children and teenagers about how it is in the real world. Why should we expect youngsters to figure it out for themselves? Smarter Richer Braver had to be written – thank you Marilyn. If you’re a parent, take the time to read this and help shape a better future for your children.’ Neil Fachie, MBE, fourteen-times World Champion Cyclist and number-one bestselling author of Earn Your Stripes ‘In a complicated world of money, where hard cash coexists with invisible bitcoins, and where financial decision-making is bounded by a hundred imponder­ables and confounding situations, an easy guide to understanding finance and economy is hard to come by. It is surprising how, despite the great need and demand for one, the supply of simply written books on financial literacy is abysmal. One reason could be the effort and the meticulousness that must go into producing a manuscript that must at once satisfy the lay person and the academic, the child and the parent, the teacher and the student. Marilyn has performed this miracle and has clearly put her heart and soul into Smarter Richer Braver. Looking forward to her next.’ Amir Ullah Khan, PhD, visiting professor, Indian School of Business, Hyderabad (ex-deputy director, Bill and Melinda Gates Foundation) ‘The life of a teenager can be tough. Not only do they face more social demands than any generation before them, but they have little-to-no formal introduction to the world of managing money. That’s why Smarter Richer Braver is such an important book. Let’s take financial empowerment off their list of worries.’ Sam Instone, CEO at AES International ‘There has never been a time when it is more important for everyone in the world to be aware of how to use money better and become part of the financial system. If we don’t make that happen, more and more people will be left behind. Luckily, there has also never been a time when it has been as possible as it is today to reach people with ideas, education and training. Right now, there is an opportunity for us to leap forward decades and change the world. We have to take it! Even more fortunately, there are now people like Marilyn leading the way, changing how money is taught to young people, which, as she explains in Smarter Richer Braver, is absolutely vital for their future success.’ Michael Gilmore, author of Happy Ever After and founder of The Money Awareness and Inclusion Awards ‘This is a so-much-needed book. In our fast-changing and evermore consumption-driven world, it is exis­tential for kids and teenagers to learn about money, fi­nances and investment at an early age. Smarter Richer Braver sets the foundation for that by providing essen­tial guidance in a concise and easy-to-follow manner to parents and teachers.’ Sascha Janzen, founder of Janzen & Co. and host of The True Wealth Project Podcast ‘As a teenager growing up in the 1990s there was little information available to me around the important stuff . . . wealth, relationships, happiness and health. The part in Smarter Richer Braver that cut to my core was where Marilyn talks about school not teaching financial literacy in addition to parents not talking about it. I could certainly have done with your amazing book in 1990, Marilyn. But I’ll happily settle for what you’ve shared in Smarter Richer Braver. A legacy and a journey that I’ll be proud to share with my daughters so they are infinitely more financially literate than I ever will be. Thank you for being passionate enough to put your knowledge into Smarter Richer Braver for them.’ Robin Waite, founder of Fearless Business and author of Take Your Shot

'Teenagers are leaving school unprepared for the world of money. Immediately they are prey for high-interest credit cards, student debt, financial scams and the ruthless gig economy. They might have passed all their exams and done well at their after-school hobbies but little of it will have them ready for the real world. Be fore the internet, young people had time to learn, they were unlikely to be exposed to promotions or special offers that could seriously damage their finances. To day's teens can be influenced directly through their social media and their time online. It's deeply impor tant that parents read Smarter Richer Braver and apply the messages and strategies it talks about before your kids are able to sign contracts they don't understand. Smarter Richer Braver allows parents to get in early and prepare their kids; not only to avoid bad decisions but to begin a lifetime of great choices that will make them secure, successful and wealthier over time.' Daniel Priestley, founder of Dent Global, entrepreneur and author of How To Raise Entrepreneurial Kids 'Smarter Richer Braver is the consummate reader's guide to making financial literacy topics accessible to every family and every young person looking to take com mand of their economic future. Marilyn Pinto has cap tured the essence of what will work - and what will not - in educating our children to be more financially literate in a challenging world. It is a must-read for parents - and educators.' Robert G. Badal, co-founder, Financial Literacy Project, Santa Barbara 'In Smarter Richer Braver, Marilyn L. Pinto asks excellent questions about teens and money, inspiring us to initi ate financial education for the next generation.' Andrew Hallam, bestselling author of Millionaire Teacher: The Nine Rules of Wealth You Should Have Learned at School 'Teenagers now, more than ever, need to be prepared for a financial future that is uncertain and complex. Smarter Richer Braver highlights the need and roadmap to empower them how to embrace their financial future.' Robert Gardner, chair of the Children's Financial Education Policy Council UK 'Teenagers today need to learn about money. Schools don't do it properly, so teens are learning from the wrong people, including peers who are just as clueless as they are, and financial marketers who want to sell them unsuitable products and services. As Marilyn Pinto says in Smarter Richer Braver, parents have to take responsibility for their children's financial education. Helping teenagers to develop a healthy relationship with money and, crucially, good financial habits, is one of the most valuable things a parent can do for them.' Robin Powell, journalist, author and editor of The Evidence-Based Investor 'If you think teaching kids about money isn't important, think again. Smarter Richer Braver sets out, in no uncer tain terms, why all families need to take action now to make sure their teens grow up financially healthy. I'd recommend to all families who want to change their kids' financial future for the better.' Will Rainey, author of Grandpa's Fortune Fables 'I look back on school with frustration. Why was I never taught about money and finances? Why did nobody explain my options to me? I've always been conscientious, and so I saved my money in low-interest savings accounts in my early twenties, but how much money could my savings have been making me had I known what I know now? I'm so pleased that someone is finally teaching our children and teenagers about how it is in the real world. Why should we expect youngsters to figure it out for themselves? Smarter Richer Braver had to be written - thank you Marilyn. If you're a parent, take the time to read this and help shape a better future for your children.' Neil Fachie, MBE, fourteen-times World Champion Cyclist and number-one bestselling author of Earn Your Stripes 'In a complicated world of money, where hard cash coexists with invisible bitcoins, and where financial decision-making is bounded by a hundred imponder ables and confounding situations, an easy guide to understanding finance and economy is hard to come by. It is surprising how, despite the great need and demand for one, the supply of simply written books on financial literacy is abysmal. One reason could be the effort and the meticulousness that must go into producing a manuscript that must at once satisfy the lay person and the academic, the child and the parent, the teacher and the student. Marilyn has performed this miracle and has clearly put her heart and soul into Smarter Richer Braver. Looking forward to her next.' Amir Ullah Khan, PhD, visiting professor, Indian School of Business, Hyderabad (ex-deputy director, Bill and Melinda Gates Foundation) 'The life of a teenager can be tough. Not only do they face more social demands than any generation before them, but they have little-to-no formal introduction to the world of managing money. That's why Smarter Richer Braver is such an important book. Let's take financial empowerment off their list of worries.' Sam Instone, CEO at AES International 'There has never been a time when it is more important for everyone in the world to be aware of how to use money better and become part of the financial system. If we don't make that happen, more and more people will be left behind. Luckily, there has also never been a time when it has been as possible as it is today to reach people with ideas, education and training. Right now, there is an opportunity for us to leap forward decades and change the world. We have to take it! Even more fortunately, there are now people like Marilyn leading the way, changing how money is taught to young people, which, as she explains in Smarter Richer Braver, is absolutely vital for their future success.' Michael Gilmore, author of Happy Ever After and founder of The Money Awareness and Inclusion Awards 'This is a so-much-needed book. In our fast-changing and evermore consumption-driven world, it is exis tential for kids and teenagers to learn about money, fi nances and investment at an early age. Smarter Richer Braver sets the foundation for that by providing essen tial guidance in a concise and easy-to-follow manner to parents and teachers.' Sascha Janzen, founder of Janzen & Co. and host of The True Wealth Project Podcast 'As a teenager growing up in the 1990s there was little information available to me around the important stuff . . . wealth, relationships, happiness and health. The part in Smarter Richer Braver that cut to my core was where Marilyn talks about school not teaching financial literacy in addition to parents not talking about it. I could certainly have done with your amazing book in 1990, Marilyn. But I'll happily settle for what you've shared in Smarter Richer Braver. A legacy and a journey that I'll be proud to share with my daughters so they are infinitely more financially literate than I ever will be. Thank you for being passionate enough to put your knowledge into Smarter Richer Braver for them.' Robin Waite, founder of Fearless Business and author of Take Your Shot

Author Information

Marilyn L. Pinto is the Founder of KFI GLOBAL, an education company that specialises in teaching teenagers how to make smarter money decisions. She’s on a mission to bring this life-changing education to more youngsters across the world because it will empower them to step up, stand out and live life on their own terms. Her promise is a SMARTER RICHER BRAVER generation. Find out more at www.kfi.global

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