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Susan Cole

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Fewer than 10 states require a personal finance course for graduation, and many parents feel their own financial shortcomings leave them ill-equipped to teach their kids. Unfortunately, most young people learn financial skills by making financial mistakes.

For many kids, the only thing they know about money is how to spend it. That's not surprising considering that the American family spends an estimated $1.22 for every $1 it earns. Bankers have the skills and knowledge to help turn this trend around and create a generation that values saving over spending.

For many kids, the only thing they know about money is how to spend it. By making classroom presentations on budgeting, savings and the value of compound interest, bank employees are attempting to turn the tide and create a generation of savers.

Kids need to learn financial lessons early when they have their parents as a safety net. If you're just learning about saving and budgeting when your first car payment is due, you could be in trouble.

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