Money shapes children long before they understand it. Kids absorb financial messages through emotion, behavior, and family culture, often forming beliefs by age seven that follow them into adulthood.

In this episode, Dr. Nicholas Michels joins Dan to explore how children learn about money, why parents often feel unprepared to teach it, and how small, intentional choices can break generational patterns. Together they discuss practical tools for building financial confidence in kids, the psychological roots of money habits, and how to pass down values that last longer than wealth.

If you want to raise kids who understand money, make confident choices, and grow into financially free adults, this conversation will give you the perspective and tools to start today.

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