wanted to point out that ebooks and gifts are not mutually exclusive. You really need a "Like" button for those of us who wish to avoid wasting space. Still, it is worth noting that reading your words is positive reinforcement, and I own a Kindle from my prior-to-sanity-days, so I would grab anything you wrote regardless of its repetitive nature ASAP .... Once I reach my no-stupid-emergency-debt mode in MAY of next year! Only six months away!!! When I was a teenager my church did a focus group about saving money in an IRA for retirement. They said that if you maxed out your IRA, you should be able to retire by the age of 40. They went into all these analyses of budgeting and figuring out how much you would need to retire. The problem is we were still living with our parents and had no concept of what our salaries would be or how much our costs of living would actually be. It was the right idea, but the audience was not at all prepared to receive the message, and I think that's something to consider when teaching kids about money. Teenagers have been through at least a decade of propaganda telling them that the only way to be a successful and respectable person is to get a job and love it. It's only after they've paid for college and been through several jobs that they realize life isn't all about work and developing a career. I don't