Finances: Keeping Your Kids Out of Debt

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The average American child may view as many as 40,000 commercials every year and by age 3 can recognize 100 different brand logos according to In a 2004 Time magazine article the writer found that corporate America spends an estimated $15 billion to advertise directly to children and that children under the age of 13 influence $600 billion in family spending along with $40 billion that they spend on candy and clothes.

"You have to teach children about money intentionally – create teachable moments," says national radio host, best-selling author and financial guru, Dave Ramsey.

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