Rene Ann Pochop, a financial planner in South Burlington, Vt., talks about money all day in the office. But that doesn't mean she wasn't surprised when she started hearing financial questions at home from her 17-year-old daughter.

"'Do you have money set aside for college? How much do you have? I don't want to go in debt,'" Pochop recalls her daughter saying. "I can't believe she is saying these things," adds Pochop, whose namesake firm has about $17million under management. "Maybe she just got that attitude about money by osmosis."

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