WhenIwasgrowinguponafarminIowawedidn'ttalkaboutmoneyinmyfamily. My

parentsvaluedteachingmybrotherssistersandmeaboutsavingbudgetingandearning

moneybutconversationsaboutourfamily'seconomicsituationandfinancialdecisionswere

rare. Thiswastypicalatthetime-especiallyintheMidwestoftheUSsotomyfriendsand

memoneywasenvelopedinsomelevelofsecrecy.Laterwhenmyfamilyhitadifficult

timewebeganhavingmoreopenconversationsaboutmoney.Andwhilethosetalkswere

verydifficultatfirstitwasarelieftounderstandmoreaboutourfamily'sfinances.

Obviouslytimeshaven'tchangedmuchwhenitcomestofamilymoneytalks.Recent

researchbyanAmericaninstituteindicatesthatmoneyremainsamongthelowestpriorities

(优先事项)inconversationsbetweenparentsandtheirchildren.Infactparentsaremuch

morelikelytohaveprioritizeddiscussionsaboutprettymucheverythingelsebeforemoney.

They'realsowaitingtohavethesediscussionsuntiltheirkidsareolder-100naverage-

whichcancausethemtomissmanyopportunitiesduringtheirchildren'sformativeyears.

Talkingaboutmoneywithyourkidscanbedifficultformanydifferentreasons-

especiallyifyourfinancesseemverypersonalandprivateorifyouhaveanxietyaboutbills

yourself.Butdiscussingmoneyinacalmandopenwayispivotaltohelpingyourchildren

learnaboutandbecomecomfortablewithfinancesbeforethey'reexpectedtomanagetheir

own. Whileyoucertainlydon'tneedtoprovidedetailedinformationaboutyourincometoyour

childrenitcanbeveryeffectivetoincludetheminmeaningfulfinancialdiscussions-evenat

anearlyage.Havingregularfamilyconversationsaboutmoneywillhelpthemlearnabout

financialconcepts(概念)likesavingandbudgetingdevelopfinancialdecision-makingskills

andformahealthyrelationshipwithmoney.

32.Whentheauthor'sfamilyhadadifficulttimeshebeganto_ .

A.learnhowtoearnandsavemoney

B. understandtheimportanceofsaving

C.tellherfriendsabout