Kids always surprise you with how much they learn about money from observation. What they don’t learn from their parents, they learn from observing others. However, the adults in a kid’s life do not always make the best role models in financial behavior. So, it is important to talk to kids about money and do it frequently. Kids as young as 3-years old are smart enough to understand basic concepts such as “needs vs wants” and that coins have different shapes. The first step is to think about what everyday topics and activities can be opportunities about money lessons.