As a child, I can’t remember ever discussing money or credit with my parents. I did however observe the way they dealt with their finances, good and bad, which led to me eventually adopting some of their bad money habits as a young adult. Unfortunately, this is common amongst most households. For some it may be taboo to discuss money and finances with your children, however as parents we must overcome the reluctance to have these tough conversations with our kids. The lack of conversation regarding money in the household along with the lack