I understand you don't agree with Ramsey, but my 3 and 4 year old have no clue who he is. From what I understand all this does is help to teach them about working for money and to spend, save, and give. Surely you can't disagree with those things. Are there even any other similar products available? Or is it just better to wing it myself and teach them?
Do a search online. You will find tons of materials and information for teaching kids about money. In a previous life I read a fair bit about Piaget's work on child development and learning. Dave's material is probably not anything that has any real thought put into it. It is a product he is selling. I seriously doubt it is sequenced to be effective at such a young age, especially when it says it is for ages 4-12. By FAR the best thing you can do at that age is to teach them (appropriate) MATH. Read this: http://www.scholastic.com/resources/art ... -think-big
Teaching them how to think is most important at that age! Ask them a lot of questions. Challenge them, that kind of thing. If they see you take money out of the ATM, make sure they know it is not a money fountain..it's more like a closet that you put money in to take out later. Get them making comparisons. Give them a choice of two toys and have them explain to you why they value one over the other.
Money magazine has some good suggestions online. There are also various government publications that you can get for free. I also think that Marilyn Vos Savant is active in an organization that advocates financial literacy. I bet they have materials available.
And maybe this is a ? For another thread, but for someone who is not religious and doesn't go to church, what can I have them give their little bit of money to since we don't tithe to any church?
I am an atheist. I think giving should be something that each person decides to do or not on their own. That said, we give a LOT to support groups or causes that we think do good work. At 3 and 4 maybe the best approach is to teach them generosity and sharing with other kids rather than making the concept too abstract. Perhaps you could take them shopping and have them pick out a toy to donate to Toys for Tots at Christmas time.
Anyway, these are just some ideas. I think what you are doing, teaching your kids about money, is fantastic. But I think there are much better resources out there than DR.