• With: Tammy Gold, Lyss Stern

    This is a rush transcript from "Your World," October 13, 2014. This copy may not be in its final form and may be updated.

    STUART VARNEY, GUEST HOST: Hacking into those selfies. Only, this time, it wasn't celebrities who were the target, but kids.

    Thousands of photos featuring minors were stolen from Snapchat, an app that allows users to send photos with the understanding they will be deleted within seconds.

    So now those pictures could be anywhere. A reason why parenting expert Tammy Gold says you have got to watch your kids' every move, but mom Lyss Stern says at some point you need to treat your kid like an adult.

    All right, Lyss, let's go to you first.

    LYSS STERN, FOUNDER, DIVALYSSCIOUS MOMS: Sure.

    VARNEY: At what age do you start treating kids like adults and not look over their shoulder at everything they're doing online?

    STERN: All right.

    Well, I have a 10-year-old and a 7-year-old. And I'm looking over their shoulders because I need to know what is going on and I need to monitor what is happening. I know that some people would say, well, you know what, that's being a little bit too much. That's harsh. He's already 10 years old.

    But you know what? I think it's a parent's responsibility at all ages to know exactly what is going on, especially with social media. That's one of our jobs, on top of everything else today, is to know what our kids are doing and what they're not doing.

    VARNEY: OK.

    STERN: And a perfect example with this -- with what happened here is I try to explain to my son anything that you put out there, if you put out a picture that's not appropriate, there is a way, even if you press delete, that somehow that picture down the road might come back and find you.

    VARNEY: Sure. Sure.

    STERN: And these are things that these children need to know.

    VARNEY: But you have got an age -- you have got an age limit where you will sort of say, all right, OK, you're on your own, you're an adult.

    But you have no such age limit, right?

    TAMMY GOLD, FOUNDER, GOLD PARENT COACHING: Well, I believe until 18.

    VARNEY: Eighteen.

    GOLD: And, again, as a therapist, mine all goes back to psychology.

    The prefrontal cortex of the brain for an adolescent is not grown until 21. And that piece controls everything in regard storm impulse control, really thinking things through, accountability.

    VARNEY: Understood. Yes. Well...

    (CROSSTALK)

    GOLD: So a 12-year-old on Snapchat has no ability cognitively to understand this risque picture could harm me in some way.

    (CROSSTALK)

    VARNEY: Would you ban -- but would you ban Snapchat totally?

    STERN: Yes.

    VARNEY: And I ask that because...

    STERN: Yes, I would. My kids don't have it and they're not getting it.

    VARNEY: ... there's this feeling for the teens and youngsters involved that you're OK, you can send a picture because it disappears. It's a false sense of security.

    (CROSSTALK)

    STERN: It doesn't really disappear.

    VARNEY: So would you ban Snapchat for your kids?

    STERN: One hundred percent. My children can't have Snapchat.

    VARNEY: Tammy, would you ban it?

    GOLD: My 9-year-old has nothing. So, I'm a big, bad

    (CROSSTALK)

    GOLD: I have nothing.

    STERN: Oh, so am I. My 10-year-old tells me I'm terrible. He doesn't have Instagram. He doesn't have Facebook, and there are reasons that he doesn't have these.

    GOLD: I love the connectability. If you have an isolated child who wants to connect with their friends.