How to Raise Money-Savvy Girls

In my March Money Smart Women column, Retirement Tips for a Long Lifetime, I promised that I would weigh in on how to raise money-smart girls. That prompted an e-mail from Anne Chernish, a certified financial planner in Ithaca, N.Y., who volunteered her daughter Sydney, 32, as an example.

When Sydney was about 3 years old, Anne says she began "dropping little hints" about money into her

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