How much do your children or grandchildren know about money, where it comes from, and how to use it? Understanding money, the work required to earn it and the knowledge to manage it, are important parts of any good education. In late 2011, I opened trading accounts for all four grandchildren at Charles Schwab. These accounts weren’t some fancy inheritance tax strategy, or college savings accounts, rather small custodial accounts that couldn’t be cashed out until age 21. The goal was education …