lessons? they're the exception, not the rule. >> our good friend joins us again, editor of kiplinger's personal finance and an authority on raising money smart kids. thank you for being with us. obviously this is not the lengthy lesson we can, we'd love to give so many more of america's kids, but what would you say that parents who are watching us should focus on? >> well, as you were mentioning earlier, those teachable moments, even when your 4-year-old, christine, is asking where the money comes from, buy it at the grocery store. lesson, that's not exactly how it works. the bank is the big piggy bank for mom and dad. we freed to put money in the bank like you do. sometimes the bank is empty, like yours. very good lessons. >> in the recording of this piece, my producer and i learned most parents said that they were learning from their kids. i mean, in some cases, there are times, teaching kids some of these things. for parents listening and trying