<prompt> Human: ---Actual Advice Mallard DONT TALK ABOUT MONEY PROBLEMS WITH OR AROUND YOUR CHILDREN THEY CAN GET JUST AS STRESSED OUT ABOUT THEM AS YOU ARE---  <response>: I grew up with my parents constantly stressing fiscal responsibility and never living outside your means. However, they never discussed their financial issues around me. I heard a few flutterings in my teenage years when they didnt realize I was around, and honestly, it completely freaked me out. I really do appreciate that they didnt talk about it around me as a kidteenager. Those few conversations I did hear made me feel like a burden that wasnt contributing financially, and Im glad they didnt speak about it around me.That said, sometime during college, my mom spoke about it more openly, and once mentioned she was going to have to take some money out of her 401K for my last year of school. That gave me a kick in the ass to remind me how lucky I was to have parents paying for my education and not to let them down. They must have done something right. I bought a townhouse 18 months after graduation and live fully within my means. 