As both a mom and a financial planner, I want my 1-year-old son, Brock, to grow up to be financially independent and make wise financial decisions. There are two significant truths that can help. First, the best way to learn to handle money well is to handle money. Second, the best way to learn to make good financial decisions is to — you guessed it — make financial decisions. I grew up as the oldest of three daughters. My mom, a part-time piano teacher, always shopped the bargains and used coupons.