If you’re a parent, you know that teaching your kids about finances isn’t always easy. You may give your children a weekly allowance or reward them for doing something great. But do you really know what they’re spending or think they truly understand the value of a dollar?

According to a recent study by the Organization for Economic Cooperation & Development (OECD), which runs the Program for International Student Assessment (PISA), 22 percent of 15-year-olds lack basic financial literacy.

Whether you need to top up your account for an award flight or you have a few unused miles that could be put to good use by someone else, pooling miles is a great way to maximize your buying power. There a number of frequent flyer and credit card rewards programs that allow you to transfer points to other members, but each loyalty program has its own rules.

One of the most annoying things about frequent flyer programs is that there is often no easy or free way to transfer miles from one account to another. If you fly often for work but your spouse doesn’t, there are probably times you wish you could move some of your miles to your partners account.