Managing money can be very complicated and difficult for adults. But what people with kids may not realize is that the decisions they make can have a big impact on their children’s relationship with finances.

“Children observe and soak up everything, including how you use and talk about money,” said money and budgeting expert Andrea Woroch. “In fact, family attitudes toward spending and saving and mom and dad’s financial habits directly shape how children will value their own money in the future. It’s critical that parents understand how their own habits will influence their children and that they need to model the behavior they want their children to adopt.”

While kids can absorb many beneficial financial lessons from their parents, they also tend to take in less helpful ones as well. HuffPost asked Woroch and other financial experts to break down the kinds of harmful money messages kids learn from their caregivers ― and to share the types of approaches parents should try instead. Read on for their insights.

“There’s a taboo out there that talking about money is bad, especially if you’re in debt, and that it’s shameful,” said…