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  1. Alicia

    I will be buying this for my nephews and a couple of their friends. The local high school did have them in the initial Dave Ramsey course. Maybe not perfect but better than nothing. Their parents, my brother and I talk very openly with them about money and finances, especially our mistakes. No shiny gifts for birthdays and Christmas. Used to they got money for college, but now they get stock. They have to choose what they buy based on a few guidelines we give them. Even though we don’t buy stock for their friends some of their friends have listen to our conversations and heard the boys discuss their choices. So glad that about this book. Maybe Michael would consider doing this book in video game form. Then I know the boys and their friends would be all over it.

    • Thank you, Alicia! We did our best to make the book entertaining and appealing to kids showing real life scenarios and practical examples without sounding like a boring textbook.

      Video game is a huge undertaking. I need to give it some thought.

      Corner stone of finance is understanding the time value of money. The best way to understand time value of money is by getting your hands dirty by using an excel spreadsheet. There is honestly no other way around it.


    • Mrs. Groovy

      It’s great that your family openly discusses money with your nephews and that they’re getting stock rather than presents. I’m sure they’re learning some valuable lessons, Alicia.

      The video game is a wonderful idea but Michael would probably need a larger company to cut a licensing deal with. The time and money involved in developing it might be a bit much.

  2. Mrs. Groovy

    Miss M I hope the book helps. If the kid wants the clothing and the cars now as a teenager, what will his sense of entitlement be like as he gets older? It’s tougher when they’re very smart since they have an answer for everything!

  3. Oh my – the timing on this couldn’t be more perfect! My BF’s kid is 16 (the other 14) and so unmotivated to work. I keep explaining that if he wants to take girls on dates, use the car, and prepare for college he needs money!!! Still nothing. That being said, he wants the best of everything…especially clothes. My BF tells him “we pay for needs not wants” so instead he gets money from his grandparents and blows it all on clothes.

    This kid is so smart in school that it all comes easy for him which is why I think he is lacking in motivation. Perhaps a book at this level will break through from the cerebral side that rules him. I’m willing to try anything!

    Thanks for the recommendation, Mr Groovy, and great work Michael!

  4. Looks like a great book, but tell me, how do you get a high school kid interested in reading it? My kid is very bright, involved in sports, newspaper, theater, but when it comes to topics like finance and politics, just “boring”. 🙁

    • Thank you, FIscovery! Often times, kids do what they see their parents do. My 10 year old wants to learn about finances because she sees me reading and writing on finances and discussing money objectively at home.

      We, as parents, spend time on what my kiddo is interested in too. It is a two way street.

      You could use every single purchase decision as a opportunity to teach personal finance. A simple question you could ask every time a purchase is being considered – would you rather spend your pocket money now or save it for something more meaningful at a later point in time?

    • Mrs. Groovy

      What Michael says makes sense to me. I defer to him as I’m not a parent, but I do understand it can be a tedious process to get teenagers to talk about topics they’re not interested in. Thanks for stopping by, FIscovery!

    • Mrs. Groovy

      Thanks for commenting Laurie. There seems to be a movement (a slow one) underway to get financial education into the public school system. Let’s hope it builds momentum.

  5. Mark

    By making K-12 students more financially aware and responsible, perhaps a side effect will be to create adults who will hold their governments, national, state, and local, more accountable for some of the disastrous financial decisions they often make. One can only hope.

    • Mrs. Groovy

      Couldn’t agree with you more, Mark. What an added bonus that would be to foster young adults who hold their government officials accountable. Thanks for your comment.

    • You bring up a great point Mark. I would go one step further. Hopefully, the next generation of people who hold these government positions go in with some financial acumen!


  6. Great review Mrs. G and congratulations on the book Michael! There is good movement to get more financial literacy into schools at this point (and a lot of that has to do with the student loan crisis). Great timing for books like this!

  7. I believe personal finance should be a required subject in high school. I think it’s great that Michael wrote on this topic, targeting this age group. The younger they get the information, the better! I wish I knew then what I know now, that’s for sure.

    Kudos to you, Michael for writing and sharing this book! 🙂

    • Mrs. Groovy

      I so agree with you about making finance a requirement in high school. Just learning about student loan debt and the proper handling of credit cards would produce young adults who are much more prepared to deal with the real world. Thanks, Amanda!

    • Thank you, Amanda! It is bizarre that personal finance has not been taught at school. I’m glad to see that it is slowly changing and getting better.


  8. Love the video!

    I’m chairing a financial literacy committee with my local high school. We are well on our way. We have been tasked with coming up with our recommendations to present to the board of education in May. Our plan is to develop financial literacy curriculum for all grade levels. As well to make a personal finance class mandatory for graduation.

    I’ll have to review the book as a possible resource.

    • Hi Brian,

      I have been giving free copies of the book to schools and universities.

      If you would like to review it and also share it with the school board for review, I can provide a watermarked copy. Let me know.


      • Mrs. Groovy

        Brian, I actually thought of you and your involvement on the committee when I was writing this. It would be wonderful if you could use Michael’s book as a resource!

  9. Oh boy. If I had thought of money at all for the first decade of my career, I would be retired already, sipping something yummy far away on a beach somewhere. But I received no financial education, had to stumble onto it myself well into my 30s, so here I am. I’m glad that more resources are being made available to young people just starting out today. They are sorely needed.

    • Mrs. Groovy

      I had no financial education either and first started learning in my 40s. It’s never too late! BUT how far ahead of the game we’d be now if we had received some basics when we were younger. Thanks for stopping by Mrs. B.

  10. I LOVE that someone wrote this! I do wish I’d stumbled upon this book during high school. It’s such a tough time already, especially when you want to learn about money before you enter the “real world.”

    • Mrs. Groovy

      Isn’t it great, Mrs.PP? We could avoid so much trouble if we had a primer such as this before entering college and/or the work world. Thanks for your comment.