Talking to your adult kids about money can be quite a challenge.  Conversations come embedded with emotions such as guilt for wanting to do more, and fear of being hypocritical.  As a parent, your comments, though well-intentioned, may be perceived as judgmental and unwanted advice.  Our clients tell us that they have the greatest success when they are honest and transparent with their kids about their own mistakes, and then encourage them to access resources like the services we provide at Innovative Changes.  Aleta recently made great progress on paying down her debt by working with one of our financial coaches.  "In the past, I was not a good example to my children when it came to finances," said Aleta.  "Now I'm building my credit and following a budget.  I told my son to go to Innovative Changes to ask about his student loans. When he came home, he was over the moon."  We believe that everyone has the right to financial stability, and it's a gift we can pass from one generation to the next. Sometimes, it just starts with a conversation.