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The Smarts Build Wealth is an illustration of the home buying process in the United States. The Smarts are a typical American Family who have just purchased their first home. Kolby Smart, the oldest of three boys is smart, considerate, and loves to learn. Kolby uses math and storytelling to explain the home buying process. The Smarts Build Wealth is the second of three books dedicated to educate and encourage families to build and support safe and sustainable communities through homeownership.