Do you remember your dad asking: “Do you think money grows on trees?” or “Do you think I’m made of money?” Well, yes, as a matter of fact, we kind of did. If anything, that attitude is multiplied many times by today’s kids. The time to teach our children about money is when they’re young, so when they grow up and move out they’re not shocked by the fact that toilet paper doesn’t automatically appear in the bathroom. As the education manager for Ent Federal Credit Union, Lois Carlock is fully aware of how clueless kids are when it comes to finance. She’s also on the state board for the Colorado JumpStart Coalition for Personal Financial Literacy and served on the board of Junior Achievement of Southern Colorado. We asked her a few questions. See her answers at our sister site, Living on the Cheap.