Dear Early to Rise Reader,

You can give your kids a huge advantage in life if you teach them, while they’re young, good money habits.

That’s why we asked Justin Ford to write to you yesterday about the techniques he’s using (from his program called Seeds of Wealth) to make sure his three young boys have (1) a very nice sum of money by the time they reach their early 30s, and (2) an understanding of how to be responsible with money so they can build wealth throughout the rest of their lives.

It’s really amazing — when you stop to look at the numbers — what a difference it makes to start saving and investing early. It’s something you may not have done yourself (I didn’t either) … but certainly one of the best gifts you can possibly give your kids.

Seeds of Wealth, for example, shows you easy ways you can work with your children to help them save about $300 a year as pre-teens … then about $700 a year through the age of 21.

Then it shows you how to put those modest amounts into the best long-term investment accounts, with low costs and high returns. Let the money grow by just 13% a year and …

each of your children will have $55,973 after 21 years!

Not bad for kids who are probably just about to finish college.

At that point, they’ll be young adults entering the work force, and they’ll understand the value of putting away a little more money each year. If they can add a few thousand dollars per year once they start their first jobs, they could easily have a quarter-million dollars by the time they’re 30.

And keep in mind that this is based on the idea of beginning with less than $1 a day.

If you can have your kids save just a little bit more than that when they’re young, they could have close to a half-million dollars or more by the time they’re 30. If they never invest another penny after that and continue to earn the same interest rate, they’ll have about $1.7 million by the time they turn 40!

Think about that … your kids … millionaires by age 40, all because of a few simple things you showed them how to do when they were younger. It’s hard to believe, I know, but that’s the power of compounding interest.

The only disappointing thing about Seeds of Wealth for me is that it wasn’t around when I was a kid.

When I think about all the money I wasted during those years, it makes me sick.

When I was young, I worked hard and made a good bit of money with my own lawn-mowing business. By the time I was 14, I was cutting 20 lawns per week and pocketing more than $600 per month.

If I had learned just a few of the techniques in Justin’s program, I would have had a very nice bank account by the time I started college. Instead, like most kids, I wasted it.

That’s why I’m going to use the Seeds of Wealth program with my young nieces and nephews, and why I’m giving a copy to a young couple who are good friends of mine. They just had their first child two months ago.

One thing you should realize is that Seeds of Wealth is not about spoiling your kids, or anything like that. Instead, it’s a blueprint for rearing children who will most likely never have to worry about money.