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Share some of your own experiences with them – how you spent, how you saved, how you took on debt and struggled with it, or paid it back.

Mary Beth Bailey, who teaches financial education in Bryant, Arkansas, said her seventh-graders consistently do not grasp the difference between credit and debit.

Still, there are reasons parents give credit cards to middle and high school students.

Not the one about how babies are made; the one about how credit cards work. We don’t talk about drugs once.” Why should money be any different?

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