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1. Money Is Earned In today’s dreadful economy, raising your children to expect things to be handed to them with no effort would put them at a serious disadvantage in the workforce. I’m not saying you should pay them to do household chores that they should already be doing for no financial reward ( because who doesn’t want to live in a clean home free from clutter?) , but  do encourage them to open a lemonade stand, help you prepare for a yard-sale, and mow neighbor’s yards when they are old enough. 2. Want Vs. Need Children need to understand that what we need always comes before what we want. If they want a new toy or video game and cash is tight, explain that money is a limited resource and things like clothing and food come first. 3. The Power of Patience Set some ground rules: for every $10 your child earns, at least $1 must be saved. Get three separate piggy banks and label them like so: savings, spending, and giving. Do not force them to put away money f...