I was asked recently, "When do I start teaching the kids about money?"

Here's my answer:

• From the day they are born by your example of giving, saving, delayed gratification, and planning for the future.
• From the day they can listen to stories.  Tell them about what a bank is via stories.  Tell them about the foolish child who spent all their money, tell them about the evils of consumer debt...
• When they can answer a question like:  "Why can't Mommy buy all the pretty clothes she wants?"
• When they won't share their toys and you ask, "Where did those toys come from?"
• When they can understand that there is a God and He provided everything they have.