We are passing our bad habits down to our kids. They see us spend but not save, pay bills or give to charity. You have to get your child involved in all of it. The only way to get money is to earn it. Make sure your handling of money is visible and simple for them to understand.
We want "kids to be kids," so money seems like a grown up topic that we can put off. It's easy to send messages that confuse our kids and harm the family's financial health -- but, you can change that.
As a consequence of an aging population, more working Americans are finding themselves faced with saving for retirement while sandwiched between financial obligations to children and to parents and older relatives.