Many of us may agree, it's easier to spend money than save money.
However, there's a new book out to inspire and encourage both adults and children to build financial wealth through saving.
The advice comes from an unlikely author, a six year-old.
"its about teaching kids how to save money and invest money and invest in houses."
The story centers around Kennedy's own life, and it begins with a question many of us have asked:
"I asked my mom and dad if I can have more money."
When they tell 'Super Kennedy' she has to earn her money, she beings to put in the work to do just that, work that the real Kennedy knows all too well.
"Feeding my baby brother, Chris, and making my bed up."
And because of her hard work over the years, Kennedy has managed to turn her pennies into paper, saving $1,000.
"We've been basically prepping her to save money since she was small" said Chris O'Neal, Kennedy's Father who is a realtor and investor.
He's also helping Kennedy write the book.
"I wrote a book in 2015 and Kennedy kept saying, Dad, I want to write a book too. I was like ok, well are you serious about it? she said yes, so we started writing it. so we basically put a plan together, and started sketching it out. 60% of people - Americans - don't have a thousand dollars saved. So, you work 30 years and don't have a thousand dollars. It's a problem somewhere. So we're here to teach people young, teach kids young, and not only kids but adults."
"The Adventures of Super Kennedy" recently soared its way to a milestone, over 10,000 copies sold.
Kennedy's savings savvy has landed her on several talk shows, and even inside local schools speaking to children about the importance of earning, saving and investing.
But this little money maven is also known to splurge every now and then.