 Where by contrast, when you borrow to purchase a home, you lock in your interest rate for 30 years and have an asset that historically has appreciated over time. Those two borrowing circumstances are very different. It was an easy, practical opportunity to talk about debt and how negatively impactful expensive cars you can't afford are. You can begin with basic concepts just as I shared. Maybe it's saving, spending, giving. Use piggy banks or savings jars to help them visualize their money growing.