The Opposite of Spoiled: Raising Kids Who Are Grounded, Generous, and Smart About Money – A NYT Bestselling Guide for Financial Literacy and Family Education

Ron Lieber, a New York Times financial columnist and parent, argues that open conversations about money help raise financially responsible children. He contends that children are aware of money and have many questions about it, yet parents often avoid the topic—missing opportunities to model important financial behaviors and teach family values. This guide combines practical advice with values-based philosophy. It covers specific topics including the tooth fairy, allowance, chores, charity, saving, birthdays, holidays, cell phones, checking accounts, clothing, cars, part-time jobs, and college tuition. The book identifies traits associated with being the opposite of spoiled—such as generosity, modesty, patience, and prudence—and explains how to use money conversations to develop these qualities. The book provides scripts and strategies for answering children's financial questions, including a three-jar system for managing allowance (spend, save, and give). It is written for parents who recognize that honest money conversations can help their children become more patient and prudent, but who need guidance on how and when to start these discussions.