Raising kids is a huge responsibility. No big shock there. However, raising them should encompass more than assisting them to survive to legal adulthood. As parents, we also have a responsibility to teach our children to be savvy with their finances and give them more than a fighting chance at future financial security. You know, so they’ll spring for the very best in senior care facilities for their fabulous parents.

Financial literacy expert Susan Beacham and NYT bestselling author Lynnette Khalfani Cox have joined to co-write a series of smart & creative picture books which teach children some real life money lessons. The Millionaire Kid$ Club books - two volumes so far - use situations that children could easily imagine themselves in to teach that there are four things that you can do with money: save, spend, donate or invest.

Susan Beacham is also the creator of the cool banks pictured at right - a pig, cow or football with four sectioned areas for cash designated for saving, spending, donating and investing. I’m fairly sure I would have loathed that delayed gratification as a child and very likely would have benefited from using a bank like this.

Win it! We’re giving away a cow bank and book set to one lucky winner. To enter, email theopinionatedparent@gmail.com before midnight MST tonight with MONEY in the subject line and tell us (a)why this bank and book set will benefit your child or (b) a money horror story from your past that you’d hate for your child to re-live. Good luck!

Congratulations Jared!