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Picture a young, African Black-footed penguin in a city zoo, alone and frightened. He is hiding in an old doorway lonely, ignored and tormented by five adult penguin zoo mates.

Giant Hero is one couple’s intimate story about infant loss, choosing life over abortion, spiritual growth and a valuable resource guide for a rare congenital birth defect called Potter’s Syndrome.

When financial markets around the world began to collapse, Bret and Tracie Shroyer realized how many adults in the world lacked basic money management skills. Determined that their children would be different, they set out to educate them to be financially savvy and fiscally responsible. At ages 7 & 8 the kids were put on a full budget and became responsible for their own money management. Now teenagers, the Shroyer kids have not only learned how to manage a budget that includes basic necessities, but have also saved money to pay for significant extras in their lives, like laptops and plane tickets. In this guidebook, the Shroyers explain their process, from teaching kids as young as two what it means to save, to setting up budgets for older kids that include clothing, school lunch and activity fees. They explain what works, what doesn't and even include worksheets and spreadsheets to get readers started. Investing in Your 401(k) Kid shows parents how to teach kids something they may never have learned themselves: to manage money, learn financial responsibility, and stay out of debt.