Our children are very observant and learn many things-both good and not so good—-from watching adults. There’s no question that our nation as a whole could benefit from greater financial literacy and we can start by raising “money smart” kids. According to T. Rowe Price’s 11th annual Parents, Kids and Money Survey, 85% of parents believe they teach their children everything they need to know about money. Yet, 2 of 3 parents express some level of reluctance to discuss money or financial topics with their children and roughly half believe they often miss opportunities to talk with their children about money and finances.