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Parents and kids: Send us your money questions

From credit cards to cell-phone minutes to college loans, teaching kids about money these days is a lot more complicated than just telling them it doesn't grow on trees.How do you raise financially smart kids -- and avoid the poorhouse yourself?Our money experts, CNBC's Carmen Wong Ulrich and Sharon Epperson, will answer your questions about kids and money. And we want questions from kids, too. Su

From credit cards to cell-phone minutes to college loans, teaching kids about money these days is a lot more complicated than just telling them it doesn't grow on trees.

How do you raise financially smart kids -- and avoid the poorhouse yourself?

Our money experts, CNBC's Carmen Wong Ulrich and Sharon Epperson, will answer your questions about kids and money. And we want questions from kids, too. Submit your questions via video or e-mail, and we'll get answers for you.

Should they get an allowance, and how much? When do you switch from piggy banks to money market accounts? Should teens get their own credit cards? How do you get money for the new Xbox that you absolutely, positively NEED (that one's for the kids)?

Join the conversation about kids and money here.