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Most kids learn the basics of money and making change in grammar school, but probably won't learn how to manage money unless they choose finance as a career path. That means it is up to all of us to see that our children reach adulthood prepared to face life's fiscal challenges. My favorite thing to hear from my kids when I told them I didn't have the cash to buy them what they wanted is 'you still have money just go to the bank and take out cash from the ATM!' This is when I knew it was time to start the basics of how money worked!

I made the choice a few years ago to open life policies for my two younger children. Some reaction's I got from my family was; why would you open life policies for your kids? To them it seemed morbid. Well, the answer is simple.

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