For many young people, technology and the internet are a comfortable space, while for older generations they can still be a little frightening.

But when those young people become too comfortable with their gadgets and apps, it opens the door for poor decisions if a child has not been well educated and prepared.

Ohio’s Department of Commerce Division of Financial Institutions is working on shoring up that preparation to promote financial literacy. Even for older Americans, one survey showed only 34% could answer four of five basic financial literacy questions correctly. So while even the adults are flailing, children are being bombarded by “fun” apps that lead them to making questionable investment choices. The agency points to resources such as The Jumpstart Foundation, Investor Protection Trust, FINRA Foundation and the American Library Association, FINRA, or Investor.gov. These sites might not be glitzy and “fun,” but they can definitely provide some much-needed financial guidance.

Parents should provide good lessons in sound money management at home, including some of the basics such as saving more than you spend and waiting to make purchases until you can afford them. But they also should take advantage of the online options available to better prepare their children to be good stewards of their own money, even in this digital age. Those parents can probably learn a thing or two as well.

Anything we can do to help make the next generation a group of smarter earners, consumers and investors is a win for all of us.