Somewhere between “when you have a job, you can buy whatever you want” and “you’ll never have to worry about money” are the money lessons every child needs to hear to build their own money skills.

As a certified public accountant, I’ve spent a career watching the end results of money silence. Every newly married, single, or widowed person who sits across from me, often middle-aged, is learning about debt, investing, wage negotiation, and taxes (of course, taxes) seemingly for the first time. It never ceases to blow me away.

I decided early on that my kids, now 17 and 18, would never be those adults.

Make their money make money

In my home…