Congratulations! Your summer has arrived! The kids are back in school or back to college, One way or the other summer as the kids know it has come to a close. This is an annual occurrence yet many of us get caught off guard and are scrambling to the malls, Target, WalMart or online to buy all of the stuff our kids "need" for the school year. Today the Talk Wealth To Me crew discuss the different ways to prepare financially for this annual ritual.