CINCINNATI (Perry Schaible) -- As the economy grows, so do our checkbooks. But, a lot of people still face some financial woes after the recession and parents have tough decisions to make.One specialist says it would help by educating our children about money. Dr. Julie Heath plans to ask the Ohio State legislature to pass a statewide, financial literacy program. The program would provide a curriculum for teachers in grades K thru 8, focused on smart spending. The idea is to start teaching financial responsibility at a young age, so it becomes second nature for our kids.For the past three weeks, Marsha Marcus has been working with her second grade class on money matters. They talk about deposits, withdrawals, rainy-day funds, and savings. It's a volunteer program called 'Money Savvy Kids' in an effort to help teach them achieve financial responsibility. "They're sponges," Marcus said. "Whatever you teach them, they soak it up. I just think with the way that our society is everybody has this quick thing, credit cards. We are not in that age where my paretns. When they bought something, no credit cards, they saved for it." It's an important lesson for kids, even at this young age. Experts say if they learn it now, it becomes second nature. If it's done in school it's available to everyone. "A lot of parents take it upon themselves to teach their kids about financial literacy and that's great, but not every child has that advantage," Dr. Heath said.It's a topic the kids hear so much about, they realize themselves just how important it can be. "In college and stuff, we are going to be asking our teachers can you count this, can you count that," said Ionesty Little of Ethel Taylor. "But in second grade, at 8 years old, we already know it.""When you go to the store and you have money, you want to make sure you spend it right and not spend all of it at one time," said Brian Cmapbell. Experts say learning about a little cash, just makes a lot of sense. Follow Perry Schaible on Twitter @Local12Perry and LIKE her on Facebook.