Our Schools are Not Teaching Our Children Valuable Financial Skills,
SO IT'S UP TO YOU TO TEACH YOUR KIDS ABOUT MONEY.

Most of the parents I talk to feel that financial education should be taught in school.

But the fact is...our kids AREN'T learning about money and personal finance in school and even though financial literacy is a very hot topic these days, and some legislatures are talking about how to make it mandatory, it's still an elective in most states.

Worse yet, did you know that...

	More college students drop out of college because of financial reasons than because of academic reasons?
	Some college age students have committed suicide because they can't handle the debt that they got themselves into?
	62% expect of college graduates will have a student loan debt averaging $27,236 (Student Monitor)
	40% will never gain a net worth in excess of $10,000 (American Dream Education Campaign)
	In most cases, economics and personal financial literacy programs are elective classes so “only 12% of Americans graduate from high school having learned anything about money at all.” (FoxNews.com)
	Less than 1/4 of students and only 20% of parents say students are very well prepared to deal with the financial challenges that await them after graduation. (KeyBank)
	57% of college graduates plan to move back with their parents. (MonsterTrak.com)
	Research shows that individuals who have taken a personal finance education course have a higher savings rate, higher net worth and make larger contributions to their 401ks. (The Department of the Treasury)
	Studies show that it takes less than 10 hours of financial literacy education to influence a child's financial choices and decisions as adults.

Many parents find The Ultimate Allowance because they have trouble talking to their kids about money. Some parents say they'd rather talk to their kids about sex or drugs than money. This system makes it easy to do talk to your kids about money. I even give you the actual words to use when introducing your kids to this unique allowance system.

Other parents find The Ultimate Allowance because they are fed up with their kids begging them for money all of the time. I make it so there's no reason for them to ask. And if they DO ask, you now have the words to get them to take responsibility for their choices.

 

You are not alone in your search for the best way to teach your children about money. Parents everywhere are looking for an effective way to teach their kids how money works.

Here is the written testimonial from Amanda who sent me the video above. As you can tell, she is as passionate about teaching kids about money as I am.

Amanda van der Gulik

“Until I read Elisabeth’s book I was completely AGAINST giving an allowance to kids as a way for teaching them about money, but since reading her incredibly easy-to-understand and implement ‘The Ultimate Allowance’ book, I have opened my mind to the idea of allowances. The thing I like most about Elisabeth’s method is that she shows how easy it can be to have the expenses that we spend on our children anyway, go THROUGH our children. They now get the responsibility of paying for their own expenses, which opens their eyes to what exactly it costs to raise them. I think this in itself is priceless, not to mention all of the other extraordinary tips, tools and advice she so freely gives to us in her book. Thanks Miss E for opening my mind to the possibilities!” ~ Amanda van der Gulik, TeachingChildrenAboutMoney.com and AllowanceSecrets.com

The Ultimate Allowance helps you prepare
your children for a life filled with
financial freedom & security.

The Ultimate Allowance is a unique and creative financial literacy tool that any parent can use with their kids. As long as you're spending money ON them already, you can empower your kids using The Ultimate Allowance.

I realize that you may not think you have the tools you need to teach your kids about money.

I know that sometimes it's hard to talk to your kids about money.

I understand you weren't given a magic wand to empower your kids financially.

Dave Westwood

"Reading "The Ultimate Allowance" has allowed me to put a game plan in place for my son Joshua. He is only 3 years old right now, so we haven't really utilized the book together yet. However, it has inspired me to teach him some basics about money. In addition, I have already started to track what I spend on him so that implementing the plan in a few years, will be so much easier! What I like about this book so much is that it is knowledge that kids will use not only during their childhood years, but for the rest of their adult lives as well. It is the rare person that can combine their work with the power to change other people's lives; thank you so much for doing what you do!" Dave Westwood Debt Free Earth www.debtfreeearth.com

I've discovered three essential keys to raising money-savvy adults.
And if you want to learn these three keys, read on...

May I ask you ...

Q. Want a simple system to teach your kids about money so they really get it?

Q. Are you frustrated trying to get them to understand the "value of a buck"?

Q. Would you like a way to get them to stop asking you for money all the time while teaching them how to be completely 100% responsible for their own financial matters by the time they are 18 and move out on their own?

If you answered Yes...The Ultimate Allowance is perfect for you.
"Wow, I loved your book. This simple system can make any kid a financial success (and don't tell anyone, but I learned a lot too!" Dawn H.		The Ultimate Allowance System gives you all of the tools you need to make sure your kids move out and stay out when they're ready....except for visits, of course! As a whole, our nation's children are not learning about money. There are a lot of teachers, parents, seminar leaders and others trying to fill in the pieces but no one can teach your kids like YOU can because no one cares like YOU care! And if you're like me, you WANT to make sure your kids grow up and get to live a great life; whatever they want their lives to look like. And great lives usually take a substantial sum of money and income these days.

Why I wrote The Ultimate Allowance

When I was 38 years old, I realized I didn't know much about money. At age 31, I married a wonderful man who earned a good living. I was a personal trainer and fitness instructor and I loved helping people improve their health. I loved making a difference in people's lives.

But I didn't understand the money thing...until, one day when my husband and I had paid off thousands of dollars of debt and had one of those ah-ha moments. We had the following conversation:

ME, "What do we do with this extra money now?"

HIM, "I don't know. What do you think we should do with it?"

ME, "I don't know, you're the man, you're supposed to know what to do with it?"

HIM, "I don't have a clue (and he was 48 at the time)."

We both said, "What are we going to do now? Who do we call?"

I called my mom and asked her why she hadn't taught me about money. She said, in an apologetic voice, "How could I teach you something I didn't know?"

All of a sudden it made sense. And you know that saying, when the student is ready the teacher appears? Well, his name was Robert Kiyosaki and the book was Rich Dad Poor Dad.

Reading Robert's book was just ONE of the many financial ah-has I have had since then. That book changed my life; actually it changed how I SAW the money in my life.

Wealth Principles Your Kids Will Learn Naturally

If you want your children to grow up financially free, you have to teach them to use their money wisely, invest it so that it grows and create passive income streams so they can work because they want to and not because they have to...all while hopefully teaching them that doing good in the world is an awesome thing!

I never had a chance to learn these things...until someone put Robert's book in my hands. Have you ever said to yourself, "Why didn't someone teach me this stuff when I was young?" Even though I asked myself this question, I never felt stupid; I simply realized I wasn't taught about money.

I was upset at first. I had been a straight A student in high school and college, but the fact was, going to school, getting good grades, going to college and getting a 'good' secure job just didn't cut it for me.

In 2002, I turned my anger and frustration into action and created Money Camp for Kids, a FUN and highly unique financial summer camp that taught kids and teens everything I wished I had learned when I was young. The camps, now called Camp Millionaire, are being taught around the US and Internationally.

Just some of the things your children will learn by using The Ultimate Allowance:
	How to "pay yourself first" so that when they start making money as an adult, this habit will already be natural and second nature.
	How to allocate their money so that it has more than one job. Using The Money Jar system, they'll learn to divide their money into 6 jars: living, freedom (to buy assets), savings, education, play and donation.
	They'll learn that making great buying decisions leaves them extra money to use later or to save and poor buying decisions can be a little painful.
	They'll learn to pay attention to their dollars because when they're out of money...they're out of money.
	They'll understand how important it is plan and develop habits with their money (so they'll always have money for the things they want and need in life).

 

Adversity is the Mother of Invention!

For years, parents asked me, "So, what do you think about allowances?" After years of researching the 'allowance experts', I discovered the three keys to the perfect allowance strategy. The Ultimate Allowance system is the most effective allowance method available.

Our children need to learn to 'think' about money in a whole new way. The economy is changing. People are losing what they thought were good, secure jobs. Things are getting more expensive.

Our kids aren't going to be able to count on those 'good, secure jobs that many adults count on. They will need to learn to make a living, and a life, in a whole new way. In order for them to do this, we must...

• Teach kids to grow up and be the CEO of their own lives.
  
  
• Teach kids how to start their own businesses, create their own incomes, be in control of how much money they make, when and where they work, etc.
  
  
• Teach them to see opportunities as ways to build businesses.
  
  
• Teach them to 'see' money differently...not as a GREEN substance to buy piddlyjunk but as a tool to reach their dreams!
  
  If you've been searching for an allowance system to help you do this,
  The Ultimate Allowance is here to help!

E-book Print

Click Here for Kindle

Download 3 FREE Chapters to Review Here...

You may be thinking, Ya, right...another allowance program. If you're like most parents I've spoken to over the past 6 years of putting on Money Camps for Kids and Teens (now called Camp Millionaire), you've tried several different ways, maybe many, to get your kids to understand the value of money and what to do with it. From the stories I've heard, thought, most of those attempts have failed. At best, they have been partly effective in teaching kids how to be responsible with money, both theirs and yours.

ALLOWANCE STORIES FROM PARENTS...

A couple of years ago I asked my database for allowance stories. I put several of these stories in the book for you to see what others have tried.

Here's one success story sent to us:

Hi, I'm a mother of seven and I home school. Our oldest is in her third year of college. In her last year of school, I got an idea to help her learn to budget. We figured out how much all of her needs were for each month - clothes, feminine articles, hair, hygiene, even entertainment (hanging with buddies). Once a price was set, that's what she had, when it was gone there was no more until the next month. We have 6 more at home. We have made it a practice never to just give the kids money or just buy something spontaneously just because they see it. So what I've done is created job opportunities for them. I have a job board with various jobs listed, requirements, and time limits as well as pay. If they are interested, they have to be interviewed. For example: The storage room was a mess - The job was called "Storage room organizer" - some organizational skills required, the job required at least 4 hours of work, paid $10.00 one time. We even have a librarian now to keep the books in our classroom in order. This job pays $5.00 a week. The board changes periodically, but there's always a job for someone. Even the 4 year old. This has helped tremendously, as they understand when they are on a job, it has to be done properly or NO PAY!! Each week the kids are checking the board, especially if they've seen something that they'd like to buy. It's a great way to teach them work ethic and financing.

Here's one not quite so successful:

We tried to dole out allowance and it was too difficult to keep track of the process. My husband thinks that doing chores is part of living and participating in family life. The children should not receive a financial reward for daily tasks. We tried to tie the allowance to non-chore related things like finishing homework without complaints, adding bird seed to the feeders without being asked to do it, getting all the morning, school related papers/lunches/sports gear in the car without being nagged...those sorts of things. Then we had to create a payment schedule that was balanced and appropriate to the task. This was so difficult. Both kids (girl 11, boy 9) felt that their contributions were more important thus due more money. Ugh.

There are more stories in the book from parents who have had zero-to-great success teaching kids about money. Read what experts in the financial literacy, entrepreneurship and personal growth fields say about The Ultimate Allowance system...

Experts on The Ultimate Allowance
Noah St. John	“Using the Ultimate Allowance system will help your kids grow into adults who are not only capable of being wealthy, they’ll actually know how to take that wealth and make a difference with it. Giving them the tools and permission to succeed in life is the most amazing gift you can give them!” ~Noah St. John, author of The Secret Code of Success
William Prouty	The Ultimate Allowance will bring new insights for young people who are confronted every day with significant financial challenges but lack the knowledge and SKILLS to meet them. With the help of this insightful book, parents everywhere will be able to help their students gain the tools they need to grow up happy, healthy, wealthy and wise. ~William Prouty, CBC CEC CLU RHU MBA PhD, Director Global Economic & Workforce Development Coalition

In the six years I have been delivering financial programs for kids, teens and adults, I have talked to hundreds of parents. Every parent asks...

"How do I get my children to understand the value of a buck?"

"How do I convince them that money doesn't grow on trees "

After asking lots of questions and listening to the answers, I noticed three things that parents were doing (or not doing as the case may be) that kept them from the creating financially responsible children who managed their money and didn't continually beg for more.

The Three Biggest Financial Mistakes Parents Make with Their Kids

FIRST: Many parents set a poor example. Though most don't do it intentionally, they just don't know how to save and invest wisely themselves. And adults, we come by this naturally. Our biggest role model, the government, is always in debt and spends more than it makes.

SECOND: Many parents don't talk to their kids about money. They keep the family finances — saving, investing, debt, budgeting — a secret from their children so they have no idea about it. Kids learn about their parents financial situations through what they see, hear and experience as they grow up. We need to talk to our kids about money from an early age. This is how we will begin to break the 'taboo' that money has in most cultures.

THIRD: Many parents don't provide their kids enough opportunity to practice with money. If we want them to be good with money, they have to use it on a regular basis.

These three common financial mistakes lead to...

The Three Simple Keys to Raising Money-Savvy Adults

FIRST: Set the best example you can. Remember that your children are watching, listening and experiencing everything you do, say and feel about money.

SECOND: Talk to your kids about money. Involve them in the family finances — saving, investing, debt, budgeting, etc.— Let them know that this is an essential part of life and it's best to learn it young.

THIRD: Give your children every opportunity you can to practice with money in a way that's relevant, mindful, educational and lesson-packed.

Imagine Your Kids Living Financially Free

Imagine how you will feel knowing your adult children can take care of themselves financially and make enough money to help others and maybe even be there to support you if you ever needed it? Don't laugh...there are millions of adults who are going to need it!

Creating a financially successful adult is something to be proud of! But most parents need help doing this. So, help is here!

So here's how it works...
Take the money you're already spending ON them: for clothes, shoes, movies, gifts for friends, hair cuts, etc. and... Run it THROUGH them instead! It takes between $175,000 and $280,000 to raise a child from 0-17. What if your child had just a portion of that to practice with? Wouldn't he or she get pretty good at it? If kids don't get experience with money when they are young, they leave home without a clue, and guess what? They are more likely to end up in a financial mess that you may, or may not, be able to help them out of.
E-book Print   Click Here for Kindle Download 3 FREE Chapters to Review Here...

The following is a post I found on the internet in 2007 as I searched for statistics on the increase in college suicides due to rising debt.

I emailed this young man but never heard back from him. I still wonder if he's alive.

If you're confused about what to do, you may be reluctant to try yet another idea. I CAN show you a way that works.

But you have to willing to do your part. I'm not saying it's going to be easy. There are the trials and tribulations and lessons...but there's also the feel good part you get when you know you did a great job raising your kids!

With The Ultimate Allowance...

	You won't spend hours arguing with your kids about money anymore.
	You won't have to keep track of what they're doing with their money. If they run out, they run out. Period. End of story!
	You will get to practice unconditional support and learning to be firm when they're learning a lesson they'd rather not be learning.
	You will have to learn how to use the system first but I promise it will be worth it.
	You just need to follow the system. It's all laid out for you in the book! The hard work is done!

Isn't raising children into adults who are happy, healthy, wealthy and wise worth the effort? Nothing in life comes without a little effort and, from my experience, my best work has come from my best effort. After all, wouldn't it be nice if kids grew into adults who didn't have to recover from their childhoods? I think so!

The Ultimate Allowance is a
sure-fire way to raise financially free adults.

It turns kids into wise money managing machines! It prepares kids to move out and stay out.

No arguing, no yelling, no victims.

Sure, you'll have some hiccups but that's part of parenting. Kids are kids and they will do their best to throw you curve balls. Simply follow the book and you'll be fine. And, if ever you need answers, send me an email and I'll help you personally!

"Give a kid a fish and he'll eat for a day...
but teach a kid to fish and he'll eat for a lifetime."

These are some of the lessons your kids will learn with the Ultimate Allowance System...

	She'll feel empowered when she learns to be responsible for paying for her own needs and wants. Preparing for when she's older can be very easy if she develops supportive financial habits.
	He will have money to start thinking about investing. This is one of the major 'missing pieces' in many financial education programs. Children are taught about saving but not about investing in assets that will produce passive income for them.
	She'll learn that saving to purchase an item she really wants isn't as difficult as it may seem at first if she uses a system, and that it feels great when she does reach her savings goals.
	He will always have money for continued education.
	She is less likely to develop the habit of feeling guilty for spending her own money; an emotion many adults have shared in our adult programs.
	He will understand the joy and importance of giving back and helping others so that when she has a lot more money than she needs each month, she will want to do great things with it because she has experienced this from a young age.

Bottom line, if your kids are going to cost you money, you might as well use that money to your advantage...give them the OPPORTUNITY to learn first hand how to make, manage and multiply THEIR money wisely.

Let them learn the lessons before they move out...

...before it's so painful they can't recover from it

...before they mess up so badly you don't have any choice but to let them move back in so they can get back on their feet.

Imagine how your grown child would feel if they had to do that. Let's help them never have to do that.

Testimonials
Manny Goldman	"Most schools are not teaching children about money and that concerns me. The Ultimate Allowance teaches kids how to be with money and make a difference at the same time. A ‘must-read’ for parents who truly want a bright future for their kids." ~Manny Goldman, Author, The Power of Personal Growth Founder, PersonalGrowth.com
Dara Duguay	"Teaching kids that money doesn’t just appear from the magic money machine (ATM) is a formidable lesson. By teaching children how money works, this invaluable lesson will stay with them for the rest of their lives. The more they learn, the less money mistakes they will make." ~Dara Duguay, Director, Citi Office of Financial Education Former Director of the Jump$tart Coalition for Personal Financial Literacy
Kim Deep	“The Ultimate Allowance is one of the most practical and life changing financial books any parent can read. If you want to learn a simple system that will transform your child’s values about money, this is the # 1 resource for parents!” – Kim Deep, CMA, author of Conductor Kash and the Prosperity Express and owner, Kidz Make Cents
Clinton Swaine	"The foundation of success is understanding money management. Finally there is a place for our children to go to learn about managing their money and building a foundation and psychology for wealth. This system can be a major factor in turning our younger generation into smart, financially-savvy business owners to build a solid foundation for future generations." ~Clinton Swaine, Founder - Frontier Trainings
Curtis Arnold	“The Ultimate Allowance is a must read for every parent who wants to see their kids succeed when it comes to money issues. My wife and I have 5 kids and we’ve really struggled with allowances over the years- nothing has ever seemed to really work. This book gives us renewed hope that we will be able to leave an amazing legacy for our kids and for future generations to come, which is really exciting to think about!” ~ Curtis Arnold, Founder, CardRatings.com, Author of How You can Profit from Credit Cards
Ben Mack	“The Ultimate Allowance shows parents how to turn powerful wealth creation skills into fun activities for kids. This book makes lifelong money principles easier to grasp for the young mind; it's a fun way to look at the world i a way that sticks.” ~ Dr. Ben Mack, Best selling author of Think Two Products Ahead

"Set Your Child Up For Success, or it Costs You Nothing"
100% Money-Back Guarantee!

Get The Ultimate Allowance today and use the system for 6 FULL MONTHS. If you're not seeing major improvements in your children's financial habits and choices by then, I'll give you back every penny - no questions asked. All I ask is for you to donate the book to a family in need.

This decision should be the easiest one you ever have to make because your child's future financial success is dependent on them learning how to use money while they are young.

And here's the best news...
The Ultimate Allowance will SAVE you money because your kids won't
nickel and dime you to death anymore!

In fact if you act NOW, I'll throw in the following:

	The Ultimate Allowance Package	Retail Value
	The Ultimate Allowance Book E-book (immediate download) Author: Elisabeth Donati, founder of Camp Millionaire and Creative Wealth International (formerly The Money Camp).	$24.95
	50 Money Making Ideas for Kids - 7 Day Course from Amanda van der Gulik.	$29.00
	Allowance Secrets...FREE ebook by Amanda van der Gulik. Amanda interviewed experts from the finanical literacy field to see how they feel about allowances. A great read for parents. Click here to download to help you decide if The Ultimate Allowance is right for you and yours.	FREE
	Two FREE TICKETS to the Millionaire Mind Intensive seminar: the most amazing life-changing event I have ever attended. But there's a catch to this one. Read below* (click here for more info) Use CODE 196290	$2,590.00
	The Power of Personal Growth E-book, by Manny Goldman, is filled with key insights and wisdom for living from 56 extraordinary people. He personally interviewed Jack Canfield, Les Brown, T. Harv Eker and more to provide you with extreme value in this short, concise, and fun book. You also receive two tickets to our Virtual Courses starting in September, 2008.	$2,397.95
	Four TICKETS to Play To Win for two adults and two children to come and learn about the psychology of success. Put on by Frontier Trainings.	$2,490
	Monthly FREE teleseminars on all things money	$50
	Weekly Financial Wisdom with a TWI$T E-zine	Invaluable!
	TOTAL VALUE (not including financially intelligent kids!)	$7,581.90
*The catch...
You promise you'll use the book. You promise to set the best example possible. You promise to start talking to your kids about money. You promise you'll invite your kids into the financial aspect of your lives so they really understand what it actually takes to live successfully.

Click Here To Get Your Copy Now!

Download 3 FREE Chapters to Review Here...

You're Getting the KEY to your Child's future Financial Freedom For Pennies...

I'm giving you all the tools, and a complete system you can start using in just a couple of hours from now so...

There's no need to be frustrated anymore when it comes to trying to get your kids
to understand the value of a buck. I'm here to help.

To Your Success!

Elisabeth Donati

P.S. I am taking 100% of the risk - and you risk nothing! If, after using this system for 6 full months, your kids aren't learning about money, just ask me for your money back.

P.P.S. Just think how wonderful it will be for your kids to grow up and be able to take YOU on vacation and support YOU in your old age. I guarantee you'll wish you'd gotten the financial education you're about to give them.

	ULTIMATE ALLOWANCE DISCLAIMER...
EVERY EFFORT HAS BEEN MADE TO ACCURATELY REPRESENT THIS SYSTEM AND ITS POTENTIAL. THE WORST THING THAT CAN HAPPEN IS THAT YOU SAVE A FEW BUCKS, IRRITATE YOUR KIDS WITH YET ANOTHER WAY TO TEACH THEM HOW TO HANDLE MONEY OR LEARN A FEW THINGS YOURSELF. THE BEST THING? YOU END UP RAISING A FINANCIALLY RESPONSIBLE ADULT THAT MAKES A HUGE DIFFERENCE IN THE WORLD!

© 2008 Creative Wealth Intl., LLC