About the Book

Financial literacy starts at home. But for many parents of young children that can be a challenge. Our children need to be taught how to manage money from an early age. However, financial literacy programs are few and far to be found in elementary schools or middle schools. Children need to be taught the four basic functions of money: Spend, Save, Invest, and Give. That is why I wrote “The Four Money Bears”. Each bear represents a function of money and shows how money works to help us accomplish our goals. The book, however, is just the start.

The Four Money Bears can help to transform the perception of money for generations of young children. The target market for the book are children age 5 to 10. We are raising funds to develop both a digital and hard copy financial literacy education platform, “Money Bear Basics”. The funds will also be used to provide free books to schools in low income areas across the country.

Learning Tools

Four Money Bears Video

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About the Author


Mac Gardner, CFP®

Mac Gardner has served in the financial services industry for more than 20 years.

His passion for financial literacy led him to publish his first book, “Motivate Your Money!” in 2013. As his family grew and his clients began to ask him for ways to teach their kids about managing money he decided to use elements from his first book to develop a financial literacy platform for young children. The Four Money Bears represent the four basic functions of money. When children gain exposure to money management skills at an early age they are likely to develop healthy financial planning habits as adults. Mac is a true believer in the power of stories. He wants every child to know the story of “The Four Money Bears” and the benefits of sound money management for generations to come.


"The Four Money Bears" book was designed to teach kids age 5 to 10 the basic functions of money. Kids will learn how to:

  • Spend Cautiously
  • Save Diligently
  • Invest Wisely
  • Give Generously
  • Learn to Budget
The MoneyMentor program was designed to give those who are interested in educating our young people a means to do so with a great teaching tool.

Buy a MoneyMentor package, educate kids and families and earn money all at the same time!

The Four Money Bears © 2019