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Denis: I was born in Australia but grew up in England help with geometry After your kids earn their own cash for a year or two, and learn basic money-management skills - perhaps with the help of a smartphone budgeting application, like that offered by Mint.com - they will be better equipped to take that next step of investing, says Joline Godfrey, author of "Raising Financially Fit Kids" and chief executive officer of Santa Barbara-based financial education consultancy Independent Means.