家长应帮助孩子了解货币。教导小孩认识货币的最佳时机是当他表示有兴趣的时间。所以，当你的孩子表现出想买东西，例如，糖果或玩具，你可以开始谈论货币。
1. 货币的基本功能
首先，解释货币的基本功能，展示货币如何在商品或服务交易中被使用。告诉孩子如何用货币来交易他想拥有的东西很重要。如果他想有一件玩具，给他钱，让他把手中钱交给收银员，离开玩具店后，说说如何用钱来买东西。当你的孩子长大了一点，更能理解货币的基本功能，你就可以开始向他解释更复杂的货币使用方法。
2. 有关货币的课
抱持公开和诚实的态度来给他上有关货币的课。告诉你的孩子，为什么有某些事情是他能或不能。如果孩子要求花钱，而你不许可，向他解释说：「你的玩具卡车已经够多了。」或者，如果他请求许多不同的东西，你可以说：「你必须在这些玩具之中挑一件。」
3. 明智的选择
在杂货店开始。挑选两件类似的品牌产品——例如有品牌和无商标的黄油产品。你可以向孩子展示如何在不同品牌的产品之间做作选择，这样可以省钱，容许孩子在两者之间作选择。如果他选择了较便宜的品牌，可以把省下来的钱都给他。以后，你可以解释何以选择买较昂贵的，留下来买其他东西的钱就会越少。
原文全文如下：
Parents should help children understand money. The best time to teach a child anything about money is when he shows an interest. So you may start talking about money when your child shows an interest in buying things, candy or toys, for example.
1. The basic function of money
Begin explaining the basic function of money by showing how people trade money for goods or services. It's important to show your child how money is traded for the thing he wants to have. If he wants to have a toy, give him the money and let him hand the money to the cashier. Talk about how the money bought the thing after you leave the toy store. When your child grows a bit older and understands the basic function of money, you can start explaining more complex ways of using money.
2. Money lessons
Approach money lessons with openness and honesty. Tell your child why he can-or cannot-have certain things. If you must say no to a child's request to spend money, explain, "You have enough toy trucks for now." Or, if the request is for many different things, say, "You have to make a choice between this toy and that toy."
3. Wise decisions
Begin at the grocery store. Pick out two similar brands of a product - a name-brand butter and a generic, for example. You can show your child how to make choices between different brands of a product so that you can save money, permit the child to choose between them. If he chooses the cheaper brand, allow him to make another purchase with the money saved. Later, you may explain how the more expensive choice leaves less money for other purchases.
