McMillan says children know money is important and want to know more about it, while Lyons admits that adults often don't answer their questions well.
Ueda and McMillan agree that children shouldn't be shielded from financial realities. And Lyons says there's a middle ground as to what to tell them. He recommends starting with something a family regularly spends money on.

hold out one's hand
H: McMillan is talking about literally putting out your hand, to beg on the street. But this expression can also mean attempt to reach someone, seek to compromise in other words, or come together somehow. "That new governor held out his hand to his political opponents. He said 'Let's work together for the prefecture.'"
S: ビニェットに出てくる元々の意味は、「小銭をください」といった意味で手を差し出す、ということですね。そうした人に与える物のことを、handoutというふうに言いますが、資料として配布する印刷物のこともhandoutというふうに言いますね。

change the subject
H: Turn the conversation to some other topic. "I tried to talk about the budget but he just changed the subject." Or "She always changes the subject when he mentions marriage."
S: not to change the subjectというふうに使うこともありますね。直訳すれば、「話題を変えるつもりはないのですが」ということなんですが、実は話題を変える時に使う言葉ですね。...butなどと続けて、実際には話題を変えます。ストレートに「話題を変えたいのです」という時には、on an entirely different subject、などと言って話題を変えるということもあります。

see right through
H: Immediately realize the true meaning of something. Not be fooled at all by appearances or what somebody is saying on the surface. "People can see right through empty flattery. They know the person doing the flattery actually wants something." Or "I could see right through his excuses."

H: This is being rude and insolent, not showing the proper respect, especially for someone who's older or senior to us. Children are told "Don't be impertinent." when they criticize their parents. Or "She's really impertinent toward her boss, always questioning her directions and smirking at her ideas."
S: いまヘザーさんは、being rude and insolentというふうに言っていました。insolent、同じような意味で使います。

student loan
H: Loans specifically for students to pay for school. They tend to have special interest rates repayment schedules.
I took out a student loan every year when I was in college.
S: そうですね。日本では返済をしなければならない奨学金というのがありますね。返済をしなければならない奨学金というのが基本的にはstudent loanということになります。
H: That's a common mistranslation, right? If you don't have to pay it back, it's a scholarship or a grant. If you have to pay of back, it's a loan.

pay off
H: Pay all of the debt. "I just paid off my mortgage." Or "My car is finally paid off."
S: 例えば、pay off my mortgageというふうに使いますね。「住宅ローンを完済する・返済する」ということですが、pay offは「成功に終わる」「効果がある」という意味でも使いますね。It's a risk but it'll pay off in the long run.なんていうふうに言います。「リスクがある。でも結局は上手くいくだろう」ということですね。

the birds and the bees
H: Also known as the facts of life. McMillan is talking about sex and how babies are made. These expressions are a little old fashioned now but we still use them often in a slightly joking way. "He's 25 now. He probably knows about the birds and the bees."

go over
H: Review, examine. "We went over the presentation afterward, talking about ways to improve it." Or "Let's go over tomorrow's schedule."

That's easier said than done.
H: This is a very famous expression. It means something will be difficult to actually achieve or put into practice. And you can just say "Easier said than done," too. Such as "I wish I could exercise every day but easier said than done."