Do you talk to your kids about money, loans, and credit cards? I try to when ever a teachable moment comes up. Today my 10 yr old daughter was talking about what car she wants when she grows up. She asked about paying for a car every month. I told her thats how some people do it, but her dad and I save up money and pay the whole amount at once. Then I talked to her about borrowing money from banks, and interest, and car insurance. She decided when she turns 15 she is getting a job and saving up her money for a car. She doesn't want to owe the bank money and pay back more than she borrowed. Smart girl. I think she listens sometimes when I play Dave Ramsey's radio show while I cook lol.