Money conversations can be hard. Have them anyway.

If you really want your children to have good financial habits in the future, you can’t afford to not talk to them about money now. While it’s best to start when children are young, remember, it’s never too late to get the conversation started.

Even if your children are going off to college or having children of their own, there are still important money lessons to share, from shopping for loans to retirement planning and more.

Talking to children about money is crucial. It doesn’t have to be a struggle.

Although money talks with kids can be tough, they don’t have to be. Approaching these conversations in the right way can make all of the difference.

Here are four thought-provoking conversation starters you can use to jump start the money talk with young people of almost any age. These can open up an ongoing dialogue about some of the most important financial lessons to share with your children and grandchildren.

  • “If I could go back in time, I would tell my younger self….”
  • “The biggest money lesson I learned from my family was….”
  • “When I’m deciding whether to buy something or save the money, I….”
  • “Saving money has allowed me to….”

I’ve got a lot of experience working with families and young people, teaching them good financial behaviors and setting them on the road to great financial habits.

If you need some helpful advice on teaching children important money lessons—or if the young ones in your life could use a professional perspective, please reach out to me.