Here’s a quick guideline for teaching your child about money management. Earl M. Moton, president and CEO of E.M.O. Financial Services Inc., and Sheryl Ridley-Dorsey, author of Money Management for TEEN$ (Teen$ & Kidz Publishing Co.; $13), offer these tips: Age 3 to 5: Teach your child the value of money (it is used to make purchases). Also discuss needs versus wants. Age 6 to 9: Place a piggy bank in your child’s bedroom so he or she can see it and begin to understand th