Stop thinking of money as a taboo topic and talk about it openly with your kids. That's the argument that author Beth Kobliner is trying to advance in her new book, " Make Your Kid a Money Genius (Even If You're Not) ." She suggests that you start teaching them about finances at an early age — even if you think you have some financial baggage of your own. Kobliner stopped by to talk with host David Brancaccio about the ways you can broach the subject, the income gap between men and women, and the age you should get your first credit card. Below is an edited transcript. David Brancaccio: I can see, reading this, that you don't think money skills are innate — that these are teachable. I don't know, there's always that kid. Three kids, same parent. Kid B is a genius, with the money. He's got the knack to buy stock at age 13, writes into Marketplace with questions about the Fed. And then the other two are like, "What?" But you think you can actually move people forward. Beth Kobliner: