beth codeliner is the author of a book called "get a financial life." finds there are common mistakes kids make when it comes to talking to their kids about money. beth, thank you so much for being here. >> it's great to be here. >> you often said it's tougher to teach your kids about money than it is about sex. >> sex or drugs or alcohol, and that's a problem. because we now know the number one influence on a child when it comes to their financial behaviors, are their parents. >> why is it so difficult? >> part of it is parents don't feel educated enough to talk to their kids, and second, we don't want to admit our money foibles to our children. >> what are the top mistakes we make to our parents. >> of all, i know you have a three-year-old shows that children as young as 3 can. they can get that as young as 3 years old f. or i have a dollar. do i want to buy one. so you really want to start talking. >> when i was growing up, my parents made me an allowance. should you give an allowance? >> i found that researching that, there is no right answer on the