Make money and finances a regular topic of conversation in your home but don’t make it dull or boring or feel like a chore. Importantly, don’t talk about it in terms of being ‘hard’ – either to earn or save. Conversations about money can become more detailed and sophisticated as children get older. Lead by example when it comes to money. It’s one thing to tell kids to save, plan and spend wisely, but these messages will be meaningless if they are not supported by action.