Rob Phelan, CFEI, is a full-time high school personal finance teacher living in Frederick, Maryland, with his wife and son. He is the founder of The Simple StartUp, where he guides 10- to 18-year-old entrepreneurs through starting their first businesses, and he most recently published a children's book, "M is for Money," that introduces 3- to 8-year-olds to age-appropriate money words and normalizes conversations about money.