Was money something you learned about in school? We’re not talking about math classes like geometry or pre-cal, we’re talking about personal finance — the art of managing our dollars. While some of us were lucky enough to learn personal finance from our parents, an aunt or another money-savvy family member, most of us never took a single personal finance class in school before we opened our first bank account. Yanely Espinal, author of Mind Your Money, Insightful Stories and Strategies to Help You Reach Your #MoneyGoals has made it her mission to teach kids the lessons she didn’t learn young, so they can make smarter decisions about money. Listen in for her number one piece of advice on teaching kids key personal finance lessons early.  In Mailbag, we hear from a listener who’s mentoring a teenager on how to manage her finances and is looking for next steps. We also check in with someone who’s filing for divorce and wondering if now is the right time to start collecting Social Security. In our money tip of the week, the cost of ignoring your finances is steep (we’re talking $2,000 a year). If you’ve been dragging your feet on creating a budget that works for you, join us for our next session of FinanceFixx on January 23rd.   Have thoughts about the show that you’re dying to share? Take our podcast and community survey! We can't wait to hear what you think.  The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices