The whine rose above the din of all the shoppers around us. My cheeks flushed red and I bent low to the little person who made such a sound. “No, we cannot buy a toy today. We do not have money for that,” I said barely above a whisper. She crinkled her forehead in concern and spoke in confident loud tones, “You mean we don’t have any money mommy?” Talking to kids about money and finances is a difficult thing. I know I want my children to understand the value of a dollar and hard work. I know I don’t …
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