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

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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, participated in the test.