ADULT MONEY HABITS are set by age seven, according to a 2013 Cambridge University study. Want to get your kids on the right track? Three things should scare the hell out of you.

First, parents teach kids about money all the time, often without knowing it. “Turn off the lights.” “Let’s go shopping.” “We will save if we have something left over.” It’s unavoidable. The subject of money is as omnipresent as the air we breathe. But that may not be the worst part for kids: Parents teach kids about money without the requisite knowledge. A 2015 Gallup poll showed two out of three adults around the world are financially illiterate. READ MORE

This was a guest article written by Sam X Renick for Humble Dollar