Beware parents, there is an attack on your children.

The predators — advertisers, credit-card issuers, retailers — are waging a war, and if they can get to your kid early enough, they can do a lot of harm.

So when you are tucking your young ones in at night and reaching for a bedtime story, add to the nightstand a collection of books that will entertain them yet also protect them from becoming prey for those intent on making them lifelong debtors and uncontrolled consumers.

And I have just the books — "The Millionaire Kids Club" series (Advantage World Press) written by Susan Beacham and Lynnette Khalfani-Cox. The books are available online at http://www.Amazon.com, www.msgen.com or www.themoneycoach.net.

Beacham is chief executive and founder of Money Savvy Generation, a company that develops products to help parents and educators teach children basic personal finance principles. Khalfani-Cox is a personal finance expert and the best-selling author of "Zero Debt."

"The Millionaire Kids Club" books, written for children ages 3 to 12, are about four friends, each with a different money personality. Sandy is a saver. Dennis likes to donate. Stephanie likes to spend, and Isaiah likes to invest. Together, these multiracial friends have formed a club to talk about money-related issues.

I decided to field test the series. Each book is 32 pages with colorful and large illustrations. Without any prompting or discussion, I plopped the volumes on the table one evening while my 8-year-old daughter and 11-year-old son were doing their homework. I didn't tell them what the books were about. No lecture. I just asked them to read the three lime-colored books and let me know what they thought.

They loved them.

Well, my daughter had one criticism. "I thought the kids had big heads," Jillian said.

But she quickly added: "I thought the books were a fun way to learn how to save money."

"I thought they were really awesome," said my son, Kevin.

Jillian particularly liked volume 2, "Putting the 'Do' in Donate," which has an endearing story line about the kids trying to raise money for a cash-strapped food pantry.

"It was cool how Dennis wanted to donate the $100 he got from his grandfather," my daughter said. "It was thoughtful. And generous, I think. Yes, generous."

Jillian said it just like that. I couldn't grab and hug her for saying something so precious. She gets so embarrassed, yet I was proud that she picked up the importance of helping people.

My son was very taken with volume 1, "Garage Sale Riches."

Immediately, he began pestering his dad about having a garage sale. He definitely has an entrepreneurial spirit.

Both kids were troubled after reading volume 3, "Home Sweet Home." In this story, the home of one of the club members is lost to a foreclosure because the father lost his job and the family went through all their savings.

"I thought they were going to die," Jillian said. "At the end, I realized it was OK. I started to calm down. But Mommy, don't people increase the risk of getting colds when they don't have a house?"

"When I read the book, I thought we might be losing our house and have to live in the streets," my son added.

Their questions and concerns led to a discussion about the housing crisis.

My children get lessons about money all the time, but the books helped sum up my teachings in four simple words.

"I know that you need to save, spend, donate and invest," my son said.

"Kevin, you took that from me," Jillian interrupted, not wanting to be trumped by her big brother. "I learned you have four choices, too. I learned if you are going to spend, spend a little bit."

Although I'm an advocate for providing more financial literacy in our schools and colleges, good money management is best learned at home by having the conversations I had and have with my kids.

"Parents are looking for a script — the words they need to learn to talk to their kids about money," Beacham said in an interview. "This April, as we struggle to navigate present-day consequences, we are reminded of just how important that conversation is."

"The Millionaire Kids Club" series will help you start that conversation.