Like many of our friends, we took care that our children were not in the room where we discussed family finances, just as our parents and grandparents had before us. Money was a taboo subject.

Now, though, given the financial circumstances today, we need to get rid of that outmoded idea and include children in discussions about finances. Children of all ages know when their family faces altered financial circumstances. They notice when they are being called to spend less.

While ...

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