Everyone knows the earlier you learn a language, the easier it is to master.

Learning a foreign language at four takes a lot less effort than learning one at 40.

The same holds true with managing your money.

I can tell you this from personal experience.

I grew up in a home where the value of money was a frequent topic of conversation.

Today, I teach people how to get out of debt and build wealth with my dad, Dave Ramsey.

Growing up in my parents' home, I learned a few things about kids and money.

Here are three.

One, put your kids to work.

It's very important that your kids understand that money comes from work,

not from mom and dad's wallet.

As soon as your children can grasp the concept of cause and effect,

and that happens at a very young age, you can start teaching them about the work money connection.

Have them clean the playroom.

Take out the trash.

Put away their laundry.

There are a million things they can do.

Just make sure it's age-appropriate.

Don't have your five-year-old mode of lawn.

And pay them for some of the work they do.

Let your kids know that in the real world, you get paid only when you work.

And it's with the money made from work that you can buy the things you want.

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