Kids can coach you through the set up of a Skype account. They can recite the full lyrics on any MTV playlist. They can bring you up to speed on reality show melodrama. But when it comes to money matters, they are completely and totally clueless. And if you don’t teach them to care, they’ll run roughshod all over your bank account until they have one of their own to destroy. I’ve already concluded that, should a fairy tale character show up here in Washington, D.C. peddling magic beans or secret potions, Girl Child would be the line leader. Homegirl has a real cavalier attitude about money that I just can’t seem to shake. That became quite clear when she lost a $20 and didn’t even break a sweat.

Taking care of kids around the clock can be hazardous to your mental health. It's a fact!

A Gallup survey of 60,000 women discovered that stay-at-home moms are more likely to have depression, sadness, and anger than working moms.

Sad, but not exactly a big shocker. It's a grueling existence. Something -- or someone -- always needs to be changed, cleaned, and preened. All it takes is a 10-week maternity leave for a new mom to realize that taking care of kids full-time is literally the hardest gig in the universe. It's no wonder so many woman are excited to get back to the grind. Basically, working moms are getting off easy.

I've never had what you might call a picture-perfect career path. Years of working in the tech industry taught me how to run a tradeshow and write copy that snapped, crackled, and occasionally plopped—but it also taught me to be leery of layoffs, dysfunctional management teams, and pedantic software engineers. I increased my income over time, but my responsibilities and job titles were all over the map. One year I was a manager, the year after that my business card read "marketing weasel." Hilarious ... ly stupid.Freelancing, by comparison, has been wonderfully ambiguity-free. I do X amount of work, I get paid Y. No cutesy titles or useless staff meetings. No soul-sucking commute. No vacation days, benefits, profit sharing, or cushy corporate salary either, but oh, it's been so much better, in so many ways.

Still, now that I've been working from home for over a year, and my career trajectory has taken an even less traditional turn, I can't help wondering ... what's next?

Starting at age 8, my parents began to give me an allowance. I can't tell you how much they gave me every week and I don't know what I did with it -- I only remember that I got my allowance faithfully every Friday.

Each week, I gleefully waited for Friday (in part because it meant no more school for two! whole! days!) and pounced upon my father the minute he got home to give me my allowance.

It was, perhaps, the smartest thing my parents ever did. Which is why I will happily be giving each of my children (yes, even the 3-year-old) an allowance in the New Year.

Every year, around mid-December, my husband and I sit down to make a list of the people we need to tip or buy gifts for during the holiday season. Every year the list grows longer. And since we've had kids? Well, honestly, it's gotten a bit crazy. There are teachers and teachers' aides, babysitters and school bus drivers, and the people who cut our children's hair (in addition to the people who cut our own). There's the woman who cleans our house twice a month -- a luxury, yes, but also a concession to the fact that as working parents, we simply couldn't keep up with the mess made by two children and still expect to spend any quality time with them.And that's not to mention the mail carrier and the garbage collectors and the newspaper-delivery guy and all the other workers who frequently populate holiday-tipping checklists. Is it me, or can the holidays just about bankrupt a well-meaning family?

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Every once in a while, you read an essay in a newspaper or magazine that knocks your perspective sideways, making you decide you're going to live your life just a little bit differently.

I've just read one of those pieces. In it, New York Times writer Timothy Egan wonders about our children's futures, the fear we parents have about them, and the way we groom our kids to believe that, if they work hard and achieve in school, great things await them. The reality, he notes, is that it's a tough world out there, that even the graduates of top colleges are having a hard time finding jobs, and that those jobs are often not all that great.

How do we prepare our kids for that?

If you're the type who follows the box office buzz, you might have heard that feel good family flick Dolphin Tale took The Lion King 3D down a peg or two this past weekend. Too bad it won't last. This two-week stint of having to repeatedly tell the kids that you could watch the same flick at home for a whole lot less is a sign of things to come, frugal moms and dads.

Hollywood has heard the roar of the lion. And they're adding to the cacophony by torturing parents on a budget, er, hitting up the archives to deliver a whole slate of movie re-releases. Get your wallets ready, Mom and Dad, or start arming yourself with excuses to protect your bank account!