In Family First: Talking to your kids about money doesn't have to be difficult. The folks at Kiplinger.com have easy steps to follow, from toddlers through college graduates.

When they're young, think big picture. Teach them the differences between coins, or collect state quarters.

When they go to school, try starting an allowance. But how much? Some recommend anywhere from their age, to their grade in school.

The "tween" and teen years can become all about plastic, but kiplinger says to stay away. Focus instead on savings accounts, spending goals and always deal with cash.

When your kids head off to college, fund any checking accounts with money they have earned in high school. and, be very clear about what you will pay for, like books or food.

Finally, when they're old enough to handle money on their own, let them. Never put your kids on your credit accounts, or co-sign for theirs. This will make you responsible if they don't pay.

For more information: http://kiplinger.com/magazine/archives/2008/08/children-money-lessons-by-age-group.html?kipad_id=2