While parenting styles have changed over the years, one thing hasn’t: We’re still not talking enough about money with our kids. Financial planner Kelli Smith wants you to feel empowered to kick off those conversations now. From paying for college to making a large purchase and giving an allowance, Kelli has tips for parents and caregivers to meet kids where they are with financial lessons for the real world.

Listen as host Michael Liersch and Kelli also discuss overcoming shame about your own financial habits, how to balance gifting with your retirement needs and why kids need skin in the game for lessons to stick.

Related listening: Catch episode 20, “How can I get realistic about my spending?”