Money Savvy Generation offers parents ideas to tame the "spend it all and more" syndrome. Parents will talk to their children about safe sex, the dangers of drugs and alcohol, but they won't teach them how to handle money. These 10 signs can help parents start a dialog about spending, saving, donating, and investing.

  1. When your child announces that he made $10 million in the stock market simulation game at school and that he's ready to manage your retirement portfolio.
  2. When you overhear your daughter telling her friends that it was just her luck that she got stuck with the "poor dad."
  3. When your son tells you all he wants for Christmas is money for gambling.
  4. When your child text messages her friends for advice on how to pay off her costly text messaging bill.
  5. When your son announces his plans to use his credit card once he runs out of money on his debit card.
  6. When your son takes a pass on your homemade meatloaf dinner and offers to treat everyone to pizza and coke with his new debit card.
  7. When your daughter offers to lend you money from her babysitting stash.
  8. When you walk into a store with your daughter to buy shampoo and walk out with a "must have or will die" Usher CD, a new set of "Girls Rock" bedding and no shampoo!
  9. When your kids roll their eyes every time you say "money doesn't grow on trees!"
  10. When your son explains with pride how he just signed up for a new cell phone deal: Unlimited monthly minutes for an unlimited monthly fee.