A 2015 survey by the National Foundation for Credit Counseling explains that 34% of Americans give themselves C, D, or F when asked about their knowledge on personal finance. At the same time, 41% says that they learned about money from their parents. In a slideshow, Forbes.com enumerates some of the top money mistakes parents pass on to kids. Here’s the list.
Money silence. Whenever parents want to shun their kids from doing wrong things, they often call out on their kids explicitly. But when it comes to money matters, parents stay away from the topic and even consider money talk as rude.
Credit card magic. Parents use credit cards in front of their kids without explaining how everything works. Subliminally, kids think that gratification can simply be achieved with a swipe or two (or even more).
Not saying no. When kids throw a tantrum, parents often find themselves giving in just to get some peace and quiet. If your child wants something that’s out of the budget, explain to them the situation and teach the difference between wants and needs.
Lying. When parents say that “this will be our little secret” or “don’t tell mom/dad about this,” kids think that it’s perfectly fine to be dishonest to their partners.
Action betraying words. Parents should always practice what they preach. If you have a budget, stick to it. Doing otherwise sends the message that budgets are unimportant and can be shrugged off anytime.
Overspending on entertainment. Be wary of how much you spend for family time. Shelling too much cash suggests to kids that happiness can only be achieved when you have the money to burn.
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