A Teen Girl's Guide to Managing Wealth

"If I was going through the bookstore and saw it, I'd probably pick it up even though it's not typically what I lean toward," Olivia said.

She thought the book might be "overkill" for her, given what her mother does for a living.

Although the book is written in McNugget-type chunks, it isn't a dumb-downed talk about money.

"The stuff in the book is a lot simpler than other things you see about money," Olivia said. "The book breaks things down and puts it in steps rather than throwing it all out there at you."

That last sentence was aimed at me. Ouch!

I do lecture Olivia too much about money. Still, I was pleased the book helped emphasize certain points I've been making, and in Olivia's view, without the parental droning.

"I get now why you think credit is evil," my daughter said.

She also thought the "Money Mishaps" chapter was helpful. The chapter lists various scenarios and explains how to get through tough money moments that can scar a kid.

"It was things that really happen," Olivia said.

For example, the authors advise teens on how to handle teasing if they wear off-brand clothes.

"It takes strength and courage to ignore bullies, and it will be hard -- especially if, deep down, you would like to have brand-name styles. But know this: While brand-name luxuries can make you feel good for a fleeting moment, you don't need them."

If you're having a hard time getting through to your teen about money, give her this book. Priced at $8.95, it's an affordable way to start that must-have money talk you've been putting off.