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You don't have to have a perfect credit score or a booming savings account to raise a money-conscious child. However, you have to be aware of the example you're setting — like how impulsive you are, what you prioritize, and how you treat your credit cards — that can have an impact on your child's financial views far before you realize. Something as simple as saying, "Don't tell Daddy what we bought, it's our little secret," can be setting your child up for a warped sense of spending and accountability.