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BY Dianna Smith Wu, The Boca Raton Observer featuring Kelli Kiemle,  AIF®, Managing Director of Growth and Client Experience

Parents know very well that money doesn’t grow on trees.

But kids? They need to be reminded. A lot.

Most want the best of everything — toys, shoes, clothing, phones — and, more often than not, Mom and Dad are expected to foot the bill. It’s an endless cycle that could lead to spoiled children and penniless parents. Thankfully, financial experts have come up with some creative ways to teach kids as young as 3 about the value of a dollar.

By combining financial wisdom with other important life lessons through childhood, chances are high that sons and daughters will be ready to make their own ends meet once they’re out on their own.

“It’s important to learn about money before adulthood so that your child isn’t forced to learn everything at once,” says Michelle Schroeder-Gardner, who makes a six-figure income from her financial lifestyle blog “Making Sense of Cents.” “Instead, they can learn about money early and build good habits for when they are older. This will be easier to do throughout childhood instead of trying to teach them everything when they are in their late teens.”

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