Oh, and research shows the number one influence on kids’ financial behaviors is mom and dad. Clearly, we can’t afford to wait.Make Your Kid a Money Genius (Even If You’re Not) is a jargon-free, step-by-step guide to help parents of all income levels teach their kids—from ages three to twenty-three—about money. It turns out the key to raising a money genius isn’t to teach that four quarters equal a dollar or how to pick a stock. Instead, it’s about instilling values that have been proven to make people successful—not just financially, but in life: delaying gratification, working hard, living within your means, getting a good education, and acting generously toward others. More specifically, you’ll learn why allowance isn’t the Holy Grail when teaching your kid to handle money, and why after-school jobs aren’t always the answer either. You’ll discover the right age to give your kid a credit card, and learn why doling out a wad of cash can actually be a good parenting move.You don’t need to be a money genius to make your kid a money genius. Regardless of your comfort level with finance—or your family’s income—this charming and fun book is an essential guide for passing along enduring financial principles, making your kids wise beyond their years—and peers—when it comes to money.

    She describes, in easy-to-follow stages from birth through starting school, how children develop: what they are doing, experiencing, and feeling. And she tackles both the questions parents often ask—What does a new baby’s wakefulness or a toddler’s tantrum mean?—and those that are more difficult: How should new parents time their return to work, choose day care, tell a child about a new baby or an impending divorce?Whatever the concern or question, Your Baby and Child supplies the information, encouragement, and reassurance every parent-to-be or new parent needs.

    Dave Ramsey and Rachel Cruze teach parents how to raise money-smart kids in a debt-filled world.

    Unf*ck Your Habitat is for anyone who has been left behind by traditional aspirational systems: The ones that ignore single people with full-time jobs; people without kids but living with roommates; and people with mental illnesses or physical limitations, and many others. Most organizational books are aimed at traditional homemakers, DIYers, and people who seem to have unimaginable amounts of free time. They assume we all iron our sheets, have linen napkins to match our table runners, and can keep plants alive for longer than a week. Basically, they ignore most of us living here in the real world.Interspersed with lists and challenges, this practical, no-nonsense advice relies on a 20/10 system (20 minutes of cleaning followed by a 10-minute break; no marathon cleaning allowed) to help you develop lifelong habits. It motivates you to embrace a new lifestyle in manageable sections so you can actually start applying the tactics as you progress. For everyone stuck between The Life-Changing Magic of Tidying Up and Adulting, this philosophy is decidedly more realistic than aspirational, but the goal is the same: not everyone will have a showcase of a home, but whatever your habitat, you deserve one that brings you happiness, not stress.