Whose responsibility is it to teach your kids about money? How you answer that all depends on the types of lessons you hope they'll learn and use.

This seems to be a universal question that more of us need to ask and answer. Unfortunately, many of our kids learn the hard way, too late, or not at all. If you're a parent, grandparent, aunt or uncle, you can still play an active and meaningful role in teaching kids about money; sooner rather than later.

Here are a few tips to make your job a little easier.