Knowing when to talk to your kids about money—and what to say—is tough. But the money talk is like the sex talk: If you avoid it because you’re uncomfortable (or confused yourself) your children won’t magically become responsible. Today’s guest is a single mom who doesn’t feel like she has the right tools to teach her daughter about money. She also needs help planning for both of their financial futures.  Expert: Stefanie O'Connell Learn more about your ad choices. Visit podcastchoices.com/adchoices