You earned your first pennies by doing your chores. You saved lots of pennies so now you have more.But inside your piggy bank, money can't grow. It lies there quite still, with nowhere to go.What if your pennies could grow day by day, rather than lying there, all locked away?Is there a smart way to save and be clever, to make sure your pennies keep growing forever?"A Smart Way To Save" encourages children to save their pennies and to enjoy math, using addition and multiplication to calculate how much money is in their piggy bank. It goes on to explain how "money in a piggy bank cannot grow because it has no where to go". In order to grow, the pennies need to be put on a savings account. The book explains in very simple terms that interest is what makes money grow over years.