The money lessons children remember are usually not taught in a lecture. They are learned in the supermarket, at the dining table, through pocket money, through work, and through watching how adults behave when money is tight or tempting. The strongest examples show the same thing again and again: kids first learn money by watching, then by handling small amounts, and finally by linking money to values. This article was written by a Financial Horse Contributor. Before children learn about investing, they learn about atmosphere. They notice who in the family worries about bills. They notice who says “we can’t afford that” and who explains why. They notice whether money is spoken about calmly, fought about loudly, or avoided completely. Reuters, in an interview with personal finance author Beth Kobliner, noted that children start picking up money concepts earlier than many adults think. Children watch money behavior closely, and adults become the model whether they intend to...