It's dollars and sense! If the only thing your children know about money is how to spend it, it's time to teach them a different lesson. Kids are never too young to learn how to create a budget, use their talent to make big bucks, invest their earnings, and donate to charity. They can begin to take stock of their financial fitness with a "money matters to me" quiz: the answers will separate the savers from the squanderers. Then it's time to start making smart decisions, by finding a money mentor, learning from mistakes, and keeping a journal of purchases and longed-for items. Find out all about the history of money (from barter to beyond) and the basics of savings. There's advice on understanding the difference between needs and wants, getting the most from an allowance, becoming an entrepreneur, and sharing the wealth. Plus: personal thoughts from real kids on how money affects their lives!

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