(Written by Scott Reeves, Forbes.com) NEW YORK - Ask a city kid where milk comes from, and the response is likely to be "the store." It's a cute answer and reminds us that knowledge of the world isn't encoded in an urban rapscallion's DNA. Financial smarts are even tougher to come by. Ask a child where money comes from, and the reply may be "Mommy" or "Daddy." Read more.