It’s dollars and sense! Kids are never too young to learn how to create a budget, use their talent to make big bucks, invest their earnings, and donate to charity. They can begin to take stock of their financial fitness with a Money Matters to Me quiz that separates the savers from the squanderers. Then it’s time to start making smart decisions by finding a money mentor, learning from mistakes, and keeping a journal of purchases and longed-for items. There’s advice on understanding the difference between needs and wants, getting the most from an allowance, becoming an entrepreneur, and sharing the wealth. Plus: personal thoughts from real kids on how money affects their lives. The author lives in Dobbs Ferry, NY.