(MONEY Magazine) – Having given the grown-ups' point of view in the accompanying article, we got the other side of the story from selected members of Leanne Tormey's sixth- grade math class at Albert Leonard Middle School in New Rochelle, N.Y. Here's what they had to teach us: With encouragement, children can be diligent savers. Bethany Gettelfinger, 12, for example, has joined with her nine-year-old sister Jocelyn to save $78 in four months from their combined $9 weekly allowance. Their goal is a $140 Super Nintendo, and their parents have promised that when their nest egg reaches $100, Mom and Dad will kick in the rest. Even serious savers, however, may need help choosing the best short-term investment. Jennifer Bilbao, 11, saves a whopping two-thirds of her allowance but stashes it in a non-interest-bearing aluminum can. ''My parents sometimes put some of it in a savings account,'' she admits. Todd Brick, 12, also favors cans over banks but acknowledges that cans' zero interest rate isn't their only drawback. ''Sometimes my parents hide them to keep me from spending,'' he says. Kids can chatter about the market with the best of us. Torin Martinez, 11, dispenses investing wisdom. ''It's better to buy a stock when it's low and take a chance it will go up than to buy when it's high and can go down,'' he says. Anna Halperin, 11, shares a tip: ''I would buy whatever company made Jurassic Park,'' she advises. Todd Brick, on the other hand, cautions that it's not always so easy. ''I was playing this stock market game on my computer,'' he relates, ''and I bought IBM at $123. It went down 5% every day, and I lost money.'' (You have a lot of adult company, Todd.) Like grown-ups, kids are split on the value of hard work. When asked the best way to get rich, Tonisha Hamilton, 11, sensibly replies: ''Get a good job.'' Anna urges the entrepreneurial route: ''Invent a company,'' she says. Others are in more of a hurry. ''Buy a lotto ticket,'' advises Michael Fitzsimmons, 12. And Todd, perhaps still smarting from his IBM losses, says that the best way to get rich is to marry well. Kids aren't fretting about downward mobility. Tonisha calmly accepts that she might not live as well as her parents. ''I want to be a teacher,'' she says. ''My dad's a doctor, and teachers make less than doctors. Christopher Street, 11, on the other hand, is confident that he will outearn his father. / Asked why, he says: ''Because my dad is always saying he doesn't get paid enough.''