Do you give your kids an allowance just for doing household chores?  John Lanza, host of   Art of Allowance, says it's time to rethink that.  And start talking about saving, giving and responsible spending of money as early as 4 or 5 years of age.

Learn how to be 'smart parents' in order to teach your children about how to make the best financial decisions as they grow into adults on this episode.

You can follow this show on Twitter and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.