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i know. it s so good to start them early, isn t it? you have written children s books and here s some of the tips from that book. don t give kids allowance, put them on commission. don t willie nilly hand out the cash. make them do something for it. kids need to learn connection between work and money. teach them to spend, save and give and kids cost what you want them to cost. i know that third one, spend, save and give. you actually have envelopes in your program, don t you, you have one envelope for each category. we do. we ve got little financial peace junior. breaks some of the money that they earn on commission and put it in the give envelope so they re giving money they earned. then you get the spiritual lesson of giving. and they re spending money that they earn. and guess what that does, that makes them spend the money a little differently especially when they re teenagers. they re spending the money they earn, you can start saving to something really big. start saving tow ....