You can be rich and still feel empty.

In DEAR KID$, financial advisor and real estate broker Scott D. Gardner reveals that true wealth is about more than money—it’s about character, purpose, and building a meaningful life.

Countless books promise shortcuts to riches, but through heartfelt wisdom and practical guidance, Gardner dismantles common money myths and replaces them with timeless truths. Wealth isn’t about luck or high income—it’s built through values, smart decisions, and a mindset that lasts.

Part One shares The Ten Pillars of Wealth, showing how who you are matters more than what you earn. Part Two helps you reshape how you think about money, discipline, and opportunity. Part Three gives you the tools—financial habits, compound interest, and sustainable investing. And in Part Four, Gardner explores how to use your wealth to bless others and live with purpose.

With wisdom, encouragement, and a clear roadmap, DEAR KID$ puts you in control of your money and future—showing you how to build wealth that truly matters.