Moms and dads always want to produce smart children. In the article “12 Ways to Make Your Kids Financially Savvy,” the Wall Street Journal assists with that chore by teaching families how to deal with dollars. Making tykes choose between a treat or a dollar and telling family stories related to monetary issues are just a few ways the piece guides eager parents. “What I am striving to do is set expectations,” notes author Jonathan Clemens. His teenagers were raised to expect money to affect them later on. “I have also encouraged my kids to be suspicious of displays of opulence,” he says. “Whether it's the big house or the designer clothes.” Clemens ends with a note on becoming educated about money as a family – after all, its difficult to teach when you don’t exactly know the subject matter!