I wish I had this when I was younger…

Get Your Kids Depressed About Money Early

Why delay the inevitable? Start teaching your kids just how much money management sucks now. This Personal ATM Machine is a learning toy that claims to work just like the real thing. The parent-controlled piggy bank of sorts allows you to set a corresponding withdrawal limit on the machine and uses a password to make sure no tampering takes place. Use it for allowance, as children can make regular deposits to save up for something special. This will teach them invaluable spending and saving habits…that is until the credit card offers start rolling in. $40