Talking to our kids about money can be hard. For many parents, you either don’t feel equipped to talk about financial responsibility because of your own mistakes or spending habits or you think the money conversation is best reserved for when your kid is older. But research shows the earlier you teach your kid about money, the more likely they’ll turn out to be financially responsible adults. Our friends at theparentcue.org have put together four steps you can take to help your Jr. Higher understand managing money.