{"id":99,"date":"2026-04-28T18:15:47","date_gmt":"2026-04-28T18:15:47","guid":{"rendered":"https:\/\/kayhawley.com\/?page_id=99"},"modified":"2026-06-02T19:05:41","modified_gmt":"2026-06-02T19:05:41","slug":"the-book","status":"publish","type":"page","link":"https:\/\/kayhawley.com\/","title":{"rendered":"The Book"},"content":{"rendered":"\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-embed is-type-rich is-provider-amazon wp-block-embed-amazon\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Start Smart Money Basics: 10 Money Principles Every Young Adult Should Know\" type=\"text\/html\" width=\"1100\" height=\"550\" frameborder=\"0\" allowfullscreen allow=\"clipboard-write\" style=\"max-width:100%\" src=\"https:\/\/read.amazon.com\/kp\/card?asin=B0H34QW5SN\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<h2 class=\"wp-block-heading\">Kay Hawley&#8217;s Start Smart Series<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>10 Money Principles Every Young Adult Should Know<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Written by award-winning educator Kay Hawley, this practical workbook helps young adults connect money decisions with real life, long-term freedom, and the future they hope to create.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Unlike many financial literacy books written from a corporate or academic perspective, Start Smart was created by someone who spent more than 35 years working directly with students while also teaching financial awareness to adults and educators.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is not a book about getting rich quickly. It\u2019s about learning how to think clearly, make thoughtful decisions, and build habits that support a meaningful life.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"708\" height=\"708\" src=\"https:\/\/kayhawley.com\/wp-content\/uploads\/2026\/04\/diamond.png\" alt=\"Red diamond Kay Hawley\" class=\"wp-image-10\" style=\"width:30px\" srcset=\"https:\/\/kayhawley.com\/wp-content\/uploads\/2026\/04\/diamond.png 708w, https:\/\/kayhawley.com\/wp-content\/uploads\/2026\/04\/diamond-300x300.png 300w, https:\/\/kayhawley.com\/wp-content\/uploads\/2026\/04\/diamond-150x150.png 150w, https:\/\/kayhawley.com\/wp-content\/uploads\/2026\/04\/diamond-600x600.png 600w\" sizes=\"auto, (max-width: 708px) 100vw, 708px\" \/><\/figure>\n<\/div>\n\n\n<h4 class=\"wp-block-heading has-text-align-center\">For educators<\/h4>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Bring Start Smart to your classroom. Built for Minnesota&#8217;s personal finance requirement.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"708\" height=\"708\" src=\"https:\/\/kayhawley.com\/wp-content\/uploads\/2026\/04\/diamond.png\" alt=\"Red diamond Kay Hawley\" class=\"wp-image-10\" style=\"width:30px\" srcset=\"https:\/\/kayhawley.com\/wp-content\/uploads\/2026\/04\/diamond.png 708w, https:\/\/kayhawley.com\/wp-content\/uploads\/2026\/04\/diamond-300x300.png 300w, https:\/\/kayhawley.com\/wp-content\/uploads\/2026\/04\/diamond-150x150.png 150w, https:\/\/kayhawley.com\/wp-content\/uploads\/2026\/04\/diamond-600x600.png 600w\" sizes=\"auto, (max-width: 708px) 100vw, 708px\" \/><\/figure>\n<\/div>\n\n\n<h4 class=\"wp-block-heading has-text-align-center\">For young adults<\/h4>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Download the Start Smart song and explore the 10 principles.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"708\" height=\"708\" src=\"https:\/\/kayhawley.com\/wp-content\/uploads\/2026\/04\/diamond.png\" alt=\"Red diamond Kay Hawley\" class=\"wp-image-10\" style=\"width:30px\" srcset=\"https:\/\/kayhawley.com\/wp-content\/uploads\/2026\/04\/diamond.png 708w, https:\/\/kayhawley.com\/wp-content\/uploads\/2026\/04\/diamond-300x300.png 300w, https:\/\/kayhawley.com\/wp-content\/uploads\/2026\/04\/diamond-150x150.png 150w, https:\/\/kayhawley.com\/wp-content\/uploads\/2026\/04\/diamond-600x600.png 600w\" sizes=\"auto, (max-width: 708px) 100vw, 708px\" \/><\/figure>\n<\/div>\n\n\n<h4 class=\"wp-block-heading has-text-align-center\">About Kay<\/h4>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">35 years teaching Minnesota Music Educator of the Year, competitive angler. <a href=\"https:\/\/kayhawley.com\/?page_id=43\" data-type=\"page\" data-id=\"43\">See more here<\/a>.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><strong>Why This Book is Different<\/strong><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Most financial books begin with budgets, spreadsheets, and numbers.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Start Smart begins somewhere more important: understanding yourself, your habits, your goals, your stress, your choices, and the kind of life you want to build.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Students are guided through three essential questions:<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Where are you now?<br>Where do you want to go?<br>How will you get there?<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">From there, readers work through practical money principles to build lifelong habits in saving, spending, debt, investing, protecting what matters, and making thoughtful financial decisions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><strong>For Young Adults<\/strong><\/h3>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-50\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-link-color has-text-align-center wp-element-button\" href=\"https:\/\/suno.com\/s\/JBNnQHtnpSfz7DV7\" style=\"background-color:#003366\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Start Smart Song<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\"><strong>For Teachers &amp; Schools<\/strong><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Created With Real Classrooms in Mind<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Start Smart Money Basics was written by a career educator who understands students, classrooms, and the challenges teachers face every day.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">The workbook was designed to encourage discussion, reflection, practical thinking, and real-world application rather than simply memorizing financial terms.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">The material aligns closely with the growing movement toward financial literacy education and was classroom-tested with high school students during development.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-75\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-link-color has-text-align-center wp-element-button\" href=\"https:\/\/kayhawley.com\/?page_id=129\" style=\"background-color:#003366\"><strong>School &amp; Classroom Information<\/strong><\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-75\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-link-color has-text-align-center wp-element-button\" href=\"http:\/\/contact\" style=\"background-color:#003366\"><strong>Contact Kay About Workshops<\/strong><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kay Hawley&#8217;s Start Smart Series 10 Money Principles Every Young Adult Should Know Written by award-winning educator Kay Hawley, this practical workbook helps young adults connect money decisions with real life, long-term freedom, and the future they hope to create. <span class=\"excerpt-dots\">&hellip;<\/span> <a class=\"more-link\" href=\"https:\/\/kayhawley.com\/\"><span class=\"more-msg\">Continue reading &rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-99","page","type-page","status-publish","hentry"],"featured_image_src":null,"featured_image_src_square":null,"_links":{"self":[{"href":"https:\/\/kayhawley.com\/index.php?rest_route=\/wp\/v2\/pages\/99","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kayhawley.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/kayhawley.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/kayhawley.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kayhawley.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=99"}],"version-history":[{"count":0,"href":"https:\/\/kayhawley.com\/index.php?rest_route=\/wp\/v2\/pages\/99\/revisions"}],"wp:attachment":[{"href":"https:\/\/kayhawley.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=99"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}