From acclaimed and award-winning financial adviser Ric Edelman comes a modern-day fable in the spirit of The Ant and the Grasshopper that teaches kids—and their parents—the value of spending money, saving for the future, and giving to charity.

Financial habits form early. Children learn by observing a parent’s behavior and through their own experiences. That’s why it’s important to make sure your children are treating money the right way. From allowances and birthday money to cash they’ll one day earn babysitting or mowing lawns, The Squirrel Manifesto provides a platform to set your children on the path to a lifetime of fiscal responsibility.

Just as a squirrel gathers nuts to prepare for the winter—eating some now and storing some for later—kids can learn the value of money by spending some of their allowance now and saving the rest for later using animals as examples.