America’s collective student debt is at a staggering $1.2 trillion, but what’s the most disturbing part? Parents are unconcerned. That’s right—our culture has come to assume that the only way to put a child through school is to become burdened with debt at the age of 18, carrying the weight throughout the greater part of their adult lives. Author of Smart Money, Smart Kids Rachel Cruze says parents should train their children to budget and save early on to avoid this debt. Rachel—who started making appearances at money management talks with her father, Dave Ramsey, at age 15—joins us on the show to talk about how you can set your child up for financial success right now.