Teaching your kids about money can be tricky for even the most financially savvy parent. After all, talking about income, debt and expenses can be uncomfortable, even among adults. But ignoring the subject altogether? That’s a parenting no-no. Leaving your kids clueless about financial basics like budgeting and saving means they’ll be ill-equipped to manage money once they’re on their own. “Money has to be talked about at all different times, in all different ways,” says Erica Sandberg, author of Expecting Money: The Essential Financial Plan for New and Growing Families. “It’s key to have a fluid, constant conversation that starts when your child is young and goes all the way to the teenage years.” Here, financial pros (who are also parents) share how they teach their kids about money. Steal their ideas.