Author: Ronald G. Ehrenberg
Publisher: Harvard University Press
ISBN: 0674034430
Category : Education
Languages : en
Pages : 333
Book Description
America’s colleges and universities are the best in the world. They are also the most expensive. Tuition has risen faster than the rate of inflation for the past thirty years. There is no indication that this trend will abate. Ronald G. Ehrenberg explores the causes of this tuition inflation, drawing on his many years as a teacher and researcher of the economics of higher education and as a senior administrator at Cornell University. Using incidents and examples from his own experience, he discusses a wide range of topics including endowment policies, admissions and financial aid policies, the funding of research, tenure and the end of mandatory retirement, information technology, libraries and distance learning, student housing, and intercollegiate athletics. He shows that colleges and universities, having multiple, relatively independent constituencies, suffer from ineffective central control of their costs. And in a fascinating analysis of their response to the ratings published by magazines such as U.S. News & World Report, he shows how they engage in a dysfunctional competition for students. In the short run, colleges and universities have little need to worry about rising tuitions, since the number of qualified students applying for entrance is rising even faster. But in the long run, it is not at all clear that the increases can be sustained. Ehrenberg concludes by proposing a set of policies to slow the institutions’ rising tuitions without damaging their quality.
Tuition Rising
Author: Ronald G. Ehrenberg
Publisher: Harvard University Press
ISBN: 0674034430
Category : Education
Languages : en
Pages : 333
Book Description
America’s colleges and universities are the best in the world. They are also the most expensive. Tuition has risen faster than the rate of inflation for the past thirty years. There is no indication that this trend will abate. Ronald G. Ehrenberg explores the causes of this tuition inflation, drawing on his many years as a teacher and researcher of the economics of higher education and as a senior administrator at Cornell University. Using incidents and examples from his own experience, he discusses a wide range of topics including endowment policies, admissions and financial aid policies, the funding of research, tenure and the end of mandatory retirement, information technology, libraries and distance learning, student housing, and intercollegiate athletics. He shows that colleges and universities, having multiple, relatively independent constituencies, suffer from ineffective central control of their costs. And in a fascinating analysis of their response to the ratings published by magazines such as U.S. News & World Report, he shows how they engage in a dysfunctional competition for students. In the short run, colleges and universities have little need to worry about rising tuitions, since the number of qualified students applying for entrance is rising even faster. But in the long run, it is not at all clear that the increases can be sustained. Ehrenberg concludes by proposing a set of policies to slow the institutions’ rising tuitions without damaging their quality.
Publisher: Harvard University Press
ISBN: 0674034430
Category : Education
Languages : en
Pages : 333
Book Description
America’s colleges and universities are the best in the world. They are also the most expensive. Tuition has risen faster than the rate of inflation for the past thirty years. There is no indication that this trend will abate. Ronald G. Ehrenberg explores the causes of this tuition inflation, drawing on his many years as a teacher and researcher of the economics of higher education and as a senior administrator at Cornell University. Using incidents and examples from his own experience, he discusses a wide range of topics including endowment policies, admissions and financial aid policies, the funding of research, tenure and the end of mandatory retirement, information technology, libraries and distance learning, student housing, and intercollegiate athletics. He shows that colleges and universities, having multiple, relatively independent constituencies, suffer from ineffective central control of their costs. And in a fascinating analysis of their response to the ratings published by magazines such as U.S. News & World Report, he shows how they engage in a dysfunctional competition for students. In the short run, colleges and universities have little need to worry about rising tuitions, since the number of qualified students applying for entrance is rising even faster. But in the long run, it is not at all clear that the increases can be sustained. Ehrenberg concludes by proposing a set of policies to slow the institutions’ rising tuitions without damaging their quality.
Paying the Price
Author: Sara Goldrick-Rab
Publisher: University of Chicago Press
ISBN: 022640448X
Category : Education
Languages : en
Pages : 382
Book Description
A “bracing and well-argued” study of America’s college debt crisis—“necessary reading for anyone concerned about the fate of American higher education” (Kirkus). College is far too expensive for many people today, and the confusing mix of federal, state, institutional, and private financial aid leaves countless students without the resources they need to pay for it. In Paying the Price, education scholar Sara Goldrick-Rab reveals the devastating effect of these shortfalls. Goldrick-Rab examines a study of 3,000 students who used the support of federal aid and Pell Grants to enroll in public colleges and universities in Wisconsin in 2008. Half the students in the study left college without a degree, while less than 20 percent finished within five years. The cause of their problems, time and again, was lack of money. Unable to afford tuition, books, and living expenses, they worked too many hours at outside jobs, dropped classes, took time off to save money, and even went without adequate food or housing. In many heartbreaking cases, they simply left school—not with a degree, but with crippling debt. Goldrick-Rab combines that data with devastating stories of six individual students, whose struggles make clear the human and financial costs of our convoluted financial aid policies. In the final section of the book, Goldrick-Rab offers a range of possible solutions, from technical improvements to the financial aid application process, to a bold, public sector–focused “first degree free” program. "Honestly one of the most exciting books I've read, because [Goldrick-Rab has] solutions. It's a manual that I'd recommend to anyone out there, if you're a parent, if you're a teacher, if you're a student."—Trevor Noah, The Daily Show
Publisher: University of Chicago Press
ISBN: 022640448X
Category : Education
Languages : en
Pages : 382
Book Description
A “bracing and well-argued” study of America’s college debt crisis—“necessary reading for anyone concerned about the fate of American higher education” (Kirkus). College is far too expensive for many people today, and the confusing mix of federal, state, institutional, and private financial aid leaves countless students without the resources they need to pay for it. In Paying the Price, education scholar Sara Goldrick-Rab reveals the devastating effect of these shortfalls. Goldrick-Rab examines a study of 3,000 students who used the support of federal aid and Pell Grants to enroll in public colleges and universities in Wisconsin in 2008. Half the students in the study left college without a degree, while less than 20 percent finished within five years. The cause of their problems, time and again, was lack of money. Unable to afford tuition, books, and living expenses, they worked too many hours at outside jobs, dropped classes, took time off to save money, and even went without adequate food or housing. In many heartbreaking cases, they simply left school—not with a degree, but with crippling debt. Goldrick-Rab combines that data with devastating stories of six individual students, whose struggles make clear the human and financial costs of our convoluted financial aid policies. In the final section of the book, Goldrick-Rab offers a range of possible solutions, from technical improvements to the financial aid application process, to a bold, public sector–focused “first degree free” program. "Honestly one of the most exciting books I've read, because [Goldrick-Rab has] solutions. It's a manual that I'd recommend to anyone out there, if you're a parent, if you're a teacher, if you're a student."—Trevor Noah, The Daily Show
Runaway College Costs
Author: James V. Koch
Publisher: JHU Press
ISBN: 1421438895
Category : Education
Languages : en
Pages : 251
Book Description
What role have governing boards played in tuition and fee escalation at four-year public colleges and universities? In the United States, college costs, especially tuition and fees, have increased much more rapidly than either the overall Consumer Price Index or median household income. This cost inflation has effectively closed the doors of higher education to many qualified students and contributed to a staggering $1.5 trillion in student debt. Additionally, the number of college enrollments in the United States actually declined for eight straight years between 2011 and 2019, as college student bodies became increasingly stratified on the basis of family incomes. Virtually every public college cost increase, however, requires a positive vote from each university's governing board—and the record shows that these votes are nearly always unanimous. In Runaway College Costs, James V. Koch and Richard J. Cebula argue that many trustees have forgotten that they should act as fiduciaries who represent the best interests of students, parents, and taxpayers. Instead, Koch and Cebula explain, too often many trustees prize size and more prestigious rankings over access and affordability. These misplaced priorities make them vote in favor of ever more plush facilities, expensive intercollegiate athletic programs, administrative bloat, and outdated models of instruction and research. Koch and Cebula supply groundbreaking empirical evidence on the impact of governing board membership, size, and operations on tuition and fees. They show, for example, that the existence of a powerful statewide governing board exercises significant downward pressure on tuition and fees and that state funding cuts cannot explain more than one-half of the cost increases at the typical four-year public institution. The authors propose an action agenda for governing boards, including changing the incentives placed in front of campus presidents and senior administrators. Finally, they conclude that, although public university governing boards deserve blame for accelerating college cost inflation, they also are ideally situated to improve the situation. Runaway College Costs ends hopefully, suggesting that governing boards and their member trustees actually have the greatest potential to improve the situation. Providing the first rigorous empirical evidence of the impact that various modes of governance have had not only on tuition and fees but also on a half-dozen measures of institutional performance, this book will be of serious interest to governors, legislators, public university board members and their staffs, those interested in supporting the traditional goals of public higher education, and of course students and their parents, as well as taxpayers.
Publisher: JHU Press
ISBN: 1421438895
Category : Education
Languages : en
Pages : 251
Book Description
What role have governing boards played in tuition and fee escalation at four-year public colleges and universities? In the United States, college costs, especially tuition and fees, have increased much more rapidly than either the overall Consumer Price Index or median household income. This cost inflation has effectively closed the doors of higher education to many qualified students and contributed to a staggering $1.5 trillion in student debt. Additionally, the number of college enrollments in the United States actually declined for eight straight years between 2011 and 2019, as college student bodies became increasingly stratified on the basis of family incomes. Virtually every public college cost increase, however, requires a positive vote from each university's governing board—and the record shows that these votes are nearly always unanimous. In Runaway College Costs, James V. Koch and Richard J. Cebula argue that many trustees have forgotten that they should act as fiduciaries who represent the best interests of students, parents, and taxpayers. Instead, Koch and Cebula explain, too often many trustees prize size and more prestigious rankings over access and affordability. These misplaced priorities make them vote in favor of ever more plush facilities, expensive intercollegiate athletic programs, administrative bloat, and outdated models of instruction and research. Koch and Cebula supply groundbreaking empirical evidence on the impact of governing board membership, size, and operations on tuition and fees. They show, for example, that the existence of a powerful statewide governing board exercises significant downward pressure on tuition and fees and that state funding cuts cannot explain more than one-half of the cost increases at the typical four-year public institution. The authors propose an action agenda for governing boards, including changing the incentives placed in front of campus presidents and senior administrators. Finally, they conclude that, although public university governing boards deserve blame for accelerating college cost inflation, they also are ideally situated to improve the situation. Runaway College Costs ends hopefully, suggesting that governing boards and their member trustees actually have the greatest potential to improve the situation. Providing the first rigorous empirical evidence of the impact that various modes of governance have had not only on tuition and fees but also on a half-dozen measures of institutional performance, this book will be of serious interest to governors, legislators, public university board members and their staffs, those interested in supporting the traditional goals of public higher education, and of course students and their parents, as well as taxpayers.
The Costs of Completion
Author: Robin G. Isserles
Publisher: JHU Press
ISBN: 1421442086
Category : Education
Languages : en
Pages : 349
Book Description
To improve community college success, we need to consider the lived realities of students. Our nation's community colleges are facing a completion crisis. The college-going experience of too many students is interrupted, lengthening their time to completing a degree—or worse, causing many to drop out altogether. In The Costs of Completion, Robin G. Isserles contextualizes this crisis by placing blame on the neoliberal policies that have shaped public community colleges over the past thirty years. The disinvestment of state funding, she explains, has created austerity conditions, leading to an overreliance on contingent labor, excessive investments in advisement technologies, and a push to performance outcomes like retention and graduation rates for measuring student and institutional success. The prevailing theory at the root of the community college completion crisis—academic momentum—suggests that students need to build momentum in their first year by becoming academically integrated, thereby increasing their chances of graduating in a timely fashion. A host of what Isserles terms "innovative disruptions" have been implemented as a way to improve on community college completion, but because disruptions are primarily driven by degree attainment, Isserles argues that they place learning and developing as afterthoughts while ignoring the complex lives that define so many community college students. Drawing on more than twenty years of teaching, advising, and researching largely first-generation community college students as well as an analysis of five years of student enrollment patterns, college experiences, and life narratives, Isserles takes pains to center students and their experiences. She proposes initiatives created in accordance with a care ethic, which strive to not only get students through college—quantifying credit accumulation and the like—but also enable our most precarious students to flourish in a college environment. Ultimately, The Costs of Completion offers a deeper, more complex understanding of who community college students are, why and how they enroll, and what higher education institutions can do to better support them.
Publisher: JHU Press
ISBN: 1421442086
Category : Education
Languages : en
Pages : 349
Book Description
To improve community college success, we need to consider the lived realities of students. Our nation's community colleges are facing a completion crisis. The college-going experience of too many students is interrupted, lengthening their time to completing a degree—or worse, causing many to drop out altogether. In The Costs of Completion, Robin G. Isserles contextualizes this crisis by placing blame on the neoliberal policies that have shaped public community colleges over the past thirty years. The disinvestment of state funding, she explains, has created austerity conditions, leading to an overreliance on contingent labor, excessive investments in advisement technologies, and a push to performance outcomes like retention and graduation rates for measuring student and institutional success. The prevailing theory at the root of the community college completion crisis—academic momentum—suggests that students need to build momentum in their first year by becoming academically integrated, thereby increasing their chances of graduating in a timely fashion. A host of what Isserles terms "innovative disruptions" have been implemented as a way to improve on community college completion, but because disruptions are primarily driven by degree attainment, Isserles argues that they place learning and developing as afterthoughts while ignoring the complex lives that define so many community college students. Drawing on more than twenty years of teaching, advising, and researching largely first-generation community college students as well as an analysis of five years of student enrollment patterns, college experiences, and life narratives, Isserles takes pains to center students and their experiences. She proposes initiatives created in accordance with a care ethic, which strive to not only get students through college—quantifying credit accumulation and the like—but also enable our most precarious students to flourish in a college environment. Ultimately, The Costs of Completion offers a deeper, more complex understanding of who community college students are, why and how they enroll, and what higher education institutions can do to better support them.
Education at a Glance 2018
Author: OECD
Publisher: Org. for Economic Cooperation & Development
ISBN: 9789264303386
Category : Education
Languages : en
Pages : 0
Book Description
- Foreword - Editorial - Education's promise to all - Introduction: The Indicators and their Framework - Reader's guide - Executive summary - Equity in the Education Sustainable Development Goal - Indicator A1 To what level have adults studied? - Indicator A2 Transition from education to work: Where are today's youth? - Indicator A3 How does educational attainment affect participation in the labour market? - Indicator A4 What are the earnings advantages from education? - Indicator A5 What are the financial incentives to invest in education? - Indicator A6 How are social outcomes related to education? - Indicator A7 To What extent do adults participate equally in education and learning? - Indicator B1 Who participates in education? - Indicator B2 How do early childhood education systems differ around the world? - Indicator B3 Who is expected to graduate from upper secondary education? - Indicator B4 Who is expected to enter tertiary education? - Indicator B5 Who is expected to graduate from tertiary education? - Indicator B6 What is the profile of internationally mobile students? - Indicator B7 How equitable are entry and graduation in tertiary education? - Indicator C1 How much is spent per student on educational institutions? - Indicator C2 What proportion of national wealth is spent on educational institutions? - Indicator C3 How much public and private investment on educational institutions is there? - Indicator C4 What is the total public spending on education? - Indicator C5 How much do tertiary students pay and what public support do they receive? - Indicator C6 On what resources and services is education funding spent? - Indicator C7 Which factors influence teachers' salary cost? - Indicator D1 How much time do students spend in the classroom? - Indicator D2 What is the student-teacher ratio and how big are classes? - Indicator D3 How much are teachers and school heads paid? - Indicator D4 How much time do teachers spend teaching? - Indicator D5 Who are the teachers? - Indicator D6 Who makes key decisions in education systems? - Characteristics of Education Systems - Reference Statistics - Sources, Methods and Technical Notes - Australia - Austria - Belgium - Canada - Chile - Czech Republic - Denmark - Estonia - Finland - France - Germany - Greece - Hungary - Iceland - Ireland - Israel - Italy - Japan - Korea - Latvia - Luxembourg - Mexico - Netherlands - New Zealand - Norway - Poland - Portugal - Slovak Republic - Slovenia - Spain - Sweden - Switzerland - Turkey - United Kingdom - United States - Argentina - Brazil - China - Colombia - Costa Rica - India - Indonesia - Lithuania - Russian Federation - Saudi Arabia - South Africa - Ibero-American countries
Publisher: Org. for Economic Cooperation & Development
ISBN: 9789264303386
Category : Education
Languages : en
Pages : 0
Book Description
- Foreword - Editorial - Education's promise to all - Introduction: The Indicators and their Framework - Reader's guide - Executive summary - Equity in the Education Sustainable Development Goal - Indicator A1 To what level have adults studied? - Indicator A2 Transition from education to work: Where are today's youth? - Indicator A3 How does educational attainment affect participation in the labour market? - Indicator A4 What are the earnings advantages from education? - Indicator A5 What are the financial incentives to invest in education? - Indicator A6 How are social outcomes related to education? - Indicator A7 To What extent do adults participate equally in education and learning? - Indicator B1 Who participates in education? - Indicator B2 How do early childhood education systems differ around the world? - Indicator B3 Who is expected to graduate from upper secondary education? - Indicator B4 Who is expected to enter tertiary education? - Indicator B5 Who is expected to graduate from tertiary education? - Indicator B6 What is the profile of internationally mobile students? - Indicator B7 How equitable are entry and graduation in tertiary education? - Indicator C1 How much is spent per student on educational institutions? - Indicator C2 What proportion of national wealth is spent on educational institutions? - Indicator C3 How much public and private investment on educational institutions is there? - Indicator C4 What is the total public spending on education? - Indicator C5 How much do tertiary students pay and what public support do they receive? - Indicator C6 On what resources and services is education funding spent? - Indicator C7 Which factors influence teachers' salary cost? - Indicator D1 How much time do students spend in the classroom? - Indicator D2 What is the student-teacher ratio and how big are classes? - Indicator D3 How much are teachers and school heads paid? - Indicator D4 How much time do teachers spend teaching? - Indicator D5 Who are the teachers? - Indicator D6 Who makes key decisions in education systems? - Characteristics of Education Systems - Reference Statistics - Sources, Methods and Technical Notes - Australia - Austria - Belgium - Canada - Chile - Czech Republic - Denmark - Estonia - Finland - France - Germany - Greece - Hungary - Iceland - Ireland - Israel - Italy - Japan - Korea - Latvia - Luxembourg - Mexico - Netherlands - New Zealand - Norway - Poland - Portugal - Slovak Republic - Slovenia - Spain - Sweden - Switzerland - Turkey - United Kingdom - United States - Argentina - Brazil - China - Colombia - Costa Rica - India - Indonesia - Lithuania - Russian Federation - Saudi Arabia - South Africa - Ibero-American countries
Why Does College Cost So Much?
Author: Robert B. Archibald
Publisher: Oxford University Press
ISBN: 0190214104
Category : Business & Economics
Languages : en
Pages : 302
Book Description
College tuition has risen more rapidly than the overall inflation rate for much of the past century. To explain rising college cost, the authors place the higher education industry firmly within the larger economic history of the United States.
Publisher: Oxford University Press
ISBN: 0190214104
Category : Business & Economics
Languages : en
Pages : 302
Book Description
College tuition has risen more rapidly than the overall inflation rate for much of the past century. To explain rising college cost, the authors place the higher education industry firmly within the larger economic history of the United States.
The True Costs of College
Author: Nancy Kendall
Publisher: Palgrave Macmillan
ISBN: 9783030538606
Category : Education
Languages : en
Pages : 161
Book Description
This book examines the true costs of attendance faced by low- and moderate-income students on four public college campuses, and the consequences of these costs on students’ academic pathways and their social, financial, health, and emotional well-being. The authors’ exploration of the true costs of academics, living expenses, and student services leads them to conclude that current college policies and practices do not support low-income and otherwise marginalized students’ well-being or success. To counter this, they suggest that reform efforts should begin by asking value-based questions about the goals of public higher education, and end by crafting class-responsive policies. They propose three tools that policymakers can use to do this work, and steps that every person can take to revitalize public support for public education, equity-producing policies, and democratic participation in the public arena.
Publisher: Palgrave Macmillan
ISBN: 9783030538606
Category : Education
Languages : en
Pages : 161
Book Description
This book examines the true costs of attendance faced by low- and moderate-income students on four public college campuses, and the consequences of these costs on students’ academic pathways and their social, financial, health, and emotional well-being. The authors’ exploration of the true costs of academics, living expenses, and student services leads them to conclude that current college policies and practices do not support low-income and otherwise marginalized students’ well-being or success. To counter this, they suggest that reform efforts should begin by asking value-based questions about the goals of public higher education, and end by crafting class-responsive policies. They propose three tools that policymakers can use to do this work, and steps that every person can take to revitalize public support for public education, equity-producing policies, and democratic participation in the public arena.
Going Broke by Degree
Author: Richard K. Vedder
Publisher: American Enterprise Institute
ISBN: 9780844741970
Category : Business & Economics
Languages : en
Pages : 296
Book Description
Economist Richard Vedder examines the causes of the college tuition crisis and explores ways to reverse this alarming trend.
Publisher: American Enterprise Institute
ISBN: 9780844741970
Category : Business & Economics
Languages : en
Pages : 296
Book Description
Economist Richard Vedder examines the causes of the college tuition crisis and explores ways to reverse this alarming trend.
Higher Education Opportunity Act
Author: United States
Publisher:
ISBN:
Category : Education, Higher
Languages : en
Pages : 432
Book Description
Publisher:
ISBN:
Category : Education, Higher
Languages : en
Pages : 432
Book Description
The Opposite of Spoiled
Author: Ron Lieber
Publisher: Harper Collins
ISBN: 0062247034
Category : Family & Relationships
Languages : en
Pages : 189
Book Description
New York Times Bestseller “We all want to raise children with good values—children who are the opposite of spoiled—yet we often neglect to talk to our children about money. . . . From handling the tooth fairy, to tips on allowance, chores, charity, checking accounts, and part-time jobs, this engaging and important book is a must-read for parents.” — Gretchen Rubin, author of The Happiness Project In the spirit of Wendy Mogel’s The Blessing of a Skinned Knee and Po Bronson and Ashley Merryman’s Nurture Shock, New York Times “Your Money” columnist Ron Lieber delivers a taboo-shattering manifesto that explains how talking openly to children about money can help parents raise modest, patient, grounded young adults who are financially wise beyond their years For Ron Lieber, a personal finance columnist and father, good parenting means talking about money with our kids. Children are hyper-aware of money, and they have scores of questions about its nuances. But when parents shy away from the topic, they lose a tremendous opportunity—not just to model the basic financial behaviors that are increasingly important for young adults but also to imprint lessons about what the family truly values. Written in a warm, accessible voice, grounded in real-world experience and stories from families with a range of incomes, The Opposite of Spoiled is both a practical guidebook and a values-based philosophy. The foundation of the book is a detailed blueprint for the best ways to handle the basics: the tooth fairy, allowance, chores, charity, saving, birthdays, holidays, cell phones, checking accounts, clothing, cars, part-time jobs, and college tuition. It identifies a set of traits and virtues that embody the opposite of spoiled, and shares how to embrace the topic of money to help parents raise kids who are more generous and less materialistic. But The Opposite of Spoiled is also a promise to our kids that we will make them better with money than we are. It is for all of the parents who know that honest conversations about money with their curious children can help them become more patient and prudent, but who don’t know how and when to start.
Publisher: Harper Collins
ISBN: 0062247034
Category : Family & Relationships
Languages : en
Pages : 189
Book Description
New York Times Bestseller “We all want to raise children with good values—children who are the opposite of spoiled—yet we often neglect to talk to our children about money. . . . From handling the tooth fairy, to tips on allowance, chores, charity, checking accounts, and part-time jobs, this engaging and important book is a must-read for parents.” — Gretchen Rubin, author of The Happiness Project In the spirit of Wendy Mogel’s The Blessing of a Skinned Knee and Po Bronson and Ashley Merryman’s Nurture Shock, New York Times “Your Money” columnist Ron Lieber delivers a taboo-shattering manifesto that explains how talking openly to children about money can help parents raise modest, patient, grounded young adults who are financially wise beyond their years For Ron Lieber, a personal finance columnist and father, good parenting means talking about money with our kids. Children are hyper-aware of money, and they have scores of questions about its nuances. But when parents shy away from the topic, they lose a tremendous opportunity—not just to model the basic financial behaviors that are increasingly important for young adults but also to imprint lessons about what the family truly values. Written in a warm, accessible voice, grounded in real-world experience and stories from families with a range of incomes, The Opposite of Spoiled is both a practical guidebook and a values-based philosophy. The foundation of the book is a detailed blueprint for the best ways to handle the basics: the tooth fairy, allowance, chores, charity, saving, birthdays, holidays, cell phones, checking accounts, clothing, cars, part-time jobs, and college tuition. It identifies a set of traits and virtues that embody the opposite of spoiled, and shares how to embrace the topic of money to help parents raise kids who are more generous and less materialistic. But The Opposite of Spoiled is also a promise to our kids that we will make them better with money than we are. It is for all of the parents who know that honest conversations about money with their curious children can help them become more patient and prudent, but who don’t know how and when to start.