Talk about a hard sell. Trying to persuade a group of 7-year-old children that saving money is fun ranks right up there with trying to make them believe that peas are a dessert food.

Anyone who's ever had that problem should invite Sam Renick for dinner. Renick can whip a gym full of elementary-school kids into a frenzy of enthusiasm for saving money minutes after bounding into the room.

His MO? Renick does an interactive reading of his book It's a Habit, Sammy Rabbit! in which Sammy learns to save up a stash of carrots, then saves the day for his family when a storm washes away their storage shed.

By the end of Renick's high-energy shtick, the kids (and the adults with them) have learned that "saving is a great habit" and are happily singing along with Sammy: "Get in the habit, like Sammy Rabbit."

Renick spent nine years in financial services before starting the "It's a Habit!" Co. three years ago. In addition to two Sammy books, Renick has produced a CD -- an upbeat mix of rock, rap and reggae with tunes such as "Anyone Can Be Rich" and "Debt Stinks" -- plus guides for grown-ups on how to use his materials.

This year he's spending nearly five months on the road taking his message to schools. "After hearing adults tell me repeatedly that they regretted not learning to save and invest as children, I felt this was my life's purpose," says Renick, who hopes his business will turn a profit this year.

Sammy Rabbit is an offbeat approach to classroom financial education. Although some states require such courses, there's no overall standard and programs are scattershot, often based on the interest of a school, a teacher or a parent group.

But no matter how good the program, school will always play second fiddle to parents. Surveys consistently show that kids learn most of what they know about money from Mom and Dad. After all, only parents can give kids hands-on lessons in managing real cash.

One of those who is teaching lessons in personal finance is my 24-year-old son, now a high school math teacher. He called Mom to get some pointers about how to teach his students to spend smart and stay out of debt. "How did the lesson go?" I asked a few days later. "Fine," he said, "but they're only interested in buying stuff on sale if they're using their own money." Now there's a lesson for parents.

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