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With each generation the children seem to have more money available to them than their parents.  With this should come responsibility and learning how to spend or save wisely.  The problem is that most just learn to spend as soon as they get it, get it by begging parents or an allowance with no responsibilities involved or similar.  Enter Janet Bodnar, deputy-editor of Kiplinger’s Personal Finance, mother of three, and writer of the Money Smart Kids column in Kiplinger Magazine.  This is not a collection of hard and fast rules to force good finance habits onto kids but a framework within which parents can use good common sense to handle any situation.