Teaching kids about finances can be a challenging but rewarding experience. Here are some tips on how to talk to teach kids about finances:

1. Start early: Introduce the concept of money and its value as early as possible. You can start by showing them the different coins and bills, and explaining what they are used for.
2. Make it relatable: Use real-life examples that your kids can relate to. For instance, if you’re at a store, show them how you use the money to buy groceries or toys.
3. Keep it simple: Use simple language and avoid using complex financial jargon. Explain concepts in a way that is easy for them to understand.
4. Use visual aids: Visual aids such as charts, graphs, and pictures can help make financial concepts more concrete and easier to grasp.
5. Encourage saving: Teach your kids the value of saving money by helping them set up a savings account or a piggy bank. Encourage them to save a portion of any money they receive, such as allowance or gift money.
6. Let them make mistakes: Allow your kids to make mistakes and learn from them. This will help them develop a better understanding of the consequences of financial decisions.
7. Be a good role model: Set a good example by demonstrating good financial habits such as budgeting, saving, and avoiding debt.

Remember, teaching kids about finances is an ongoing process that requires patience, consistency, and creativity. By starting early and being a good role model, you can help your kids develop healthy financial habits that will benefit them throughout their lives.