When financial markets around the world began to collapse, Bret and Tracie Shroyer realized how many adults in the world lacked basic money management skills. Determined that their children would be different, they set out to educate them to be financially savvy and fiscally responsible. At ages 7 & 8 the kids were put on a full budget and became responsible for their own money management. Now teenagers, the Shroyer kids have not only learned how to manage a budget that includes basic necessities, but have also saved money to pay for significant extras in their lives, like laptops and plane tickets.