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$95. so what do we talk to kids about when we're explaining withholding to them? >> kids really think that because they're kids, taxes do not apply to them. they really think this. this is how kids think. they think in very concrete terms. right? they think $10 an hour, i work 100 hours, just like you said, i'm going to get all this money. then suddenly the paycheck comes and it's nowhere close to that. so you really have to give them the difference between the gross pay and net pay, how much is going to be withheld for income tax. now usually with kids the income tax -- at least most of it --...

Allowance because you are or you work, should otherwise be doing, some parents say for free. when you get that allowance, teach the kid to take a piece of savings out of that or to -- >> right. >> do charity fri that? or is that their money to blow on whatever they want? >> here's my theory, ali, from years of writing about kids and money for kiplinger. you really need to give them the opportunity to make their own choices and to give them financial responsibility. financial jobs, if you will. so that, you know, they're certainly going to be -- i think they should do many things around the hou...

>> thank you so much. author of "raising money smart kids." kiplinger's personal money -- raising money smart young adults, very young adults, al pip bald young adults. >> good to see you. some positive news from automakers this week. a sign the industry has turned the corner? or is this just a media hype? 24-hour allergy relief, , t comes in a new liquid gel. new zyrtec® liquid gels work fast, so i can love the air®.

To figure how to teach your kids, start with the preschool age. kids and money. that's my 4-year-old, buy kiks, ice cream, yogurt and money at the grocery store. what do i need to do? >> well, first of all, you have to remember, as you said before, age-appropriate. has to be very concrete. actually, i write frequently, a kiplinger.com, or website a column for kids and money especially for parents. for younger kids you have to remember concrete. think piggy banks. think putting money in a vending machine and getting something out the bottom. that sort of thing. anything that you can do to deliv...

Saving is a question of mind over money because i hear this all the time from people who say if only i had more money. i'm living paycheck to paycheck. but the truth of the matter is no matter how much you make you always live that way and you'll never change unless you have change that mindset. sometimes it takes a few tricks. >> you say it's really important to know what kind of person you are, to know your plastic personality. explain that to you. >> we got into this huge debate on -- with our users -- our viewers at kiplinger.com debit cards versus credit cards. you have to know your plast...