"Self-esteem and social perceptions are additional factors that impact youth's understanding of money and how those resources are handled. It is always convenient though, to blame the forces outside. But what happens when we are able to get our kids to internalize and control their lives; lives considered out of control with constant movement and upheaval? We emphasize character and reputation.  It is the central conversation that surrounds credit, housing, banking, savings, income, expenses & budgets."