Want to know how to raise your kids to become value creators? In today's episode, host Scott Donnell sits down with Lee Benson and Kary Oberbrunner to break down Lee and Scott's new book Value Creation Kid: The Healthy Struggles Your Kid Needs to Succeed. Financial competency is the biggest gap in education because it's not taught in schools or at home. For Lee, smart money parenting is about creating an environment where kids can learn to create value in the world. Scott and Lee believe parents who protect their kids from pain and discomfort risk raising spoiled kids. Parents who remove healthy struggles from their child's life may unknowingly jeopardize their future. Lee explains how parents can turn healthy struggle into capability, confidence, and value creation. According to Scott, kids as early as kindergarten can start learning the art of value creation. How to shut down the Bank of Mom and Dad for good. Scott explains why he feels capitalism should be renamed value create-ism - because a capitalistic economy only grows when people add value to the world. Your kids need to learn financial skills for saving, spending, sharing, earning, and investing before age 18. Lee and Scott agree that it's never too late to start teaching your kids financial literacy. According to Scott, parents need to be comfortable with healthy struggles - Let your kids fail, but they should never forget that you love them. Discipline is actually a lack of training. Scott explains how, most of the time, behavior and discipline issues stem from a lack of training. Scott reveals that the best way to teach a kid about money is through fun and real-world experiences using real money. Scott talks about financial literacy and how banks make money from people who are not financially competent. Lee and Scott review the features that make GravyStack a unique banking platform for kids. Scott highlights the three main parts of their new book. Part 1: The Challenge. How to start the value creation journey with your kids. Part 2: The four categories in the GravyStack method. Part 3: The Reward. The benefits of cultivating a value creation mindset in your home.     Mentioned in This Episode: gravystack.com.smart smartmoneyparenting.com Smart, Not Spoiled: The 7 Money Skills Kids Must Master Before Leaving the Nest by Chad Willardson Value Creation Kid: The Healthy Struggles Your Children Need to Succeed by Scott Donnell and Lee Benson Scott Donnell on LinkedIn - https://www.linkedin.com/in/donnell-scott Chad Willardson on LinkedIn - https://www.linkedin.com/in/chadwillardson Scott Donnell on Instagram - @imscottdonnell Chad Willardson on Instagram - @chad.willardson Scott Donnell on TikTok - @imscottdonnell