My 5-year-old is already better at money management than I am

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On a trip to Target last September, my 5-year-old sprawled out on the floor of the toy aisle, her birthday gift card dangling from one hand while she weighed her options. A Barbie in a sparkly dress to her left and an assortment of tiny Ily doll accessories to her right — shoes, purses, and the world's smallest laptop. "The Barbie's pretty," she said, "but I could dress up my doll a million different ways."