Is it possible to raise financially responsible kids in today's entitlement driven and debt-saturated society?This time tested system developed by NY Times Best Selling authors, Steve & Annette Economides proves conclusively that children can rise above the culture and become financially independent by the time they are 18 years old. MoneySmart Kids don't grow on trees - but they do grow-up in homes where parents intentionally create a system to develop financial independence. The MoneySmart Kids Financial Training Kit helps parents do just that. Steve and Annette developed this system of points, attitudes and earning after a decade of teaching their own five kids to become financially independent--and it worked! This system has been used by thousands of families around the globe with the same results.Parents are encouraged to use money that they are already spending on their children and turn it into an investment in their kids. This investment will yield amazing results as parents nurture the financial development of their children. Skills like a strong work-ethic, generosity, delayed gratification, patience, planning, budgeting, saving, spending wisely, and paying their own way are all by-products of this system. Parents are encouraged to customize the system to their own family's values and needs.The MoneySmart Kids Financial Training Kit includes:* MoneySmart Kids overview and instructions* 3 durable money envelopes with printed ledgers (each with 2 coin envelopes inside)* Point Chart / Time Card* "Copyable" Envelope Ledger cover* Sample Chore List (as a guide to create your own)If you want to use this kit with more than one child, you need to only order the MoneySmart Kids Extra Envelope product.