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Whatever their ages, you can still turn your kids into super savers, savvy shoppers and cautious users of credit. The author, a mother of three and senior editor of Kiplinger's Personal Finance Magazine, has compiled an invaluable guide for parents.

Aside from sex, money is the most challenging subject for parents to discuss with their kids. In this witty, down-to-earth guide, Janet "Dr. Tightwad" Bodnar explains how to answer all of your child's financial questions, from "Are we rich or poor?" to "How much will you pay me if I get a good report card?" Bodnar, herself a mother of 3, offers practical advice that skillfully walks the line between too tough and too soft. She'll help you and your children come to an understanding about money and its meaning for life.