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Teach your children at an early age good money habits, as well as the value of responsibility, generosity, and the joy of reaching one's goals with this illustrated book. Delight with this heart-warming tale, and try integrating the three-cup system into your own children's lives. Three Cups is the story of one family's unique and effective method of teaching personal financial management-and how one boy reaped first the small, then the immeasurably great rewards of the lessons he learned. 32 pages, hardcover from Thomas Nelson.

Teaching children how to save, spend, and be charitable can be as simple as 1, 2, 3.

All parents want to teach their children good money habits from an early age. Many start by giving them an allowance. But it’s equally important to teach children a positive, generous attitude as they learn to use money responsibly.

Filled with warm, memorable illustrations by award-winning painter, April Willy, Three Cups is the story of one family’s unique and effective method of teaching personal financial management—and how one boy reaped first the small, then the immeasurably great rewards of the lessons he learned.

Families will be delighted with the heart-warming tale and want to integrate the three-cup system in their own children’s lives.

There is only one flaw in Three Cups: A Lesson in Life and Money for Children by Tony Townsley and Mark St. Germain, but it is a major weakness in the book. Although this book is published by a Christian publishing house and it espouses Christian virtues, such as helping the needy and being thrifty and learning to share what you have with your family members, it says nothing about learning to pay tithes or give offerings to the Lord. To me, this negates much of what is valuable in the rest of the book.

The story is told from the perspective of a boy who, on his fifth birthday, is told that he is now old enough to start receiving a weekly allowance. However, his parents (his benefactors) insist that he divide his money three ways and place it in separate coffee cups. One cup’s money is to give to those in need. One cup is to spend on whatever the boy desires. The last cup is for saving and investing for future needs. If he does this, his parents promise him that he'll experience great adventures.

The "adventures" do transpire in time. From his giving cup he takes enough money to buy cans of soup to give to hungry families through a food drive at his school. Through his spending cup he eventually accumulates enough cash to buy a baseball mitt he has wanted, as well as a gift for his little sister. As his savings cup fills, he transfers the money to a bank account and earns interest. At the end of the book, he has used this money to go to college and get married. He now has a five-year-old boy whom he can teach about the three cups.

The book features warm, copper-toned drawings of the narrator, his parents, his sister, and the bank president, and at the back of the book there is a guide for parents to help them teach money management to their youngsters. However, the book contains no Bible references, no examples from Scripture, and no admonitions to "render unto God what is God's." – Dr. Dennis E. Hensley, www.ChristianBookPreviews.com

Townsley’s and St. Germain’s text offers an irresistibly simple proposal in story form. On his fifth birthday, a boy receives the gift of three cups from his parents. One is for spending, one for saving, the third for giving. That’s where he is to keep his allowance; how much goes into each cup changes over time. At the book’s end, the cycle begins again, with a new generation. The text includes a parents’ guide. The book began its life as a self-published volume and has sold more than 30,000 copies through card stores and financial institutions. Willy’s warm-toned, ultra-realistic painterly illustrations are Norman Rockwellian; some will adore the nostalgia; others, maybe not so much. But the need for financial responsibility lessons is ageless, and this little course goes down easy. Ages 4-8. (Nov.) Copyright 2011 Reed Business Information.

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