As　a　mother　as　well　as　an　accountant；　I　have　been　concerned　by　the　lack　of　financial　education　our　children　receive　in　school。　Many　of　today's　youth　have　credit　cards　before　they　leave　high　school；　yet　they　have　never　had　a　course　in　money　or　how　to　invest　it；　let　alone　understand　how　pound　interest　works　on　credit　cards。　Simply　put；　without　financial　literacy　and　the　knowledge　of　how　money　works；　they　are　not　prepared　to　face　the　world　that　awaits　them；　a　world　in　which　spending　is　emphasized　over　savings。

When　my　oldest　son　became　hopelessly　in　debt　with　his　credit　cards　as　a　freshman　in　college；　I　not　only　helped　him　destroy　the　credit　cards；　but　I　also　went　in　search　of　a　program　that　would　help　me　educate　my　children　on　financial　matters。

One　day　last　year；　my　husband　called　me　from　his　office。　〃I　have　someone　I　think　you　should　meet；〃　he　said。　〃His　name　is　Robert　Kiyosaki。　He's　a　businessman　and　investor；　and　he　is　here　applying　for　a　patent　on　an　educational　product。　I　think　it's　what　you　have　been　looking　for。〃

Just　What　I　Was　Looking　For

My　husband；　Mike；　was　so　impressed　with　CASHFLOW；　the　new　educational　product　that　Robert　Kiyosaki　was　developing；　that　he　arranged　for　both　of　us　to　participate　in　a　test　of　the　prototype。　Because　it　was　an　educational　game；　I　also　asked　my　19…year…old　daughter；　who　was　a　freshman　at　a　local　university；　if　she　would　like　to　take　part；　and　she　agreed。

About　fifteen　people；　broken　into　three　groups；