Although 83% of U.S. adults said parents are the most responsible for teaching their children about money, 31% of American parents never speak to their kids about the topic, according to a survey from CNBC and Acorns.

Last week, the subject came up on Northwestern Mutual’s A Better Way to Money podcast, which featured social media star and owner of Stur Drinks Kat Stickler and Northwestern Mutual vice president and chief portfolio manager Matt Stucky.

“I love and respect my parents, but we didn’t really talk about money ever — I never saw them talk about money,” Stickler told Stucky during the conversation. “It was taboo. It wasn’t brought up once.”

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According to Stucky, parents can instill strong money management skills like any other good habit.

“It just takes a lot of repetition — things like saving, investing,” Stucky said. “I’m not going to teach my 4-year-old about investing, but just the idea of if I save a dollar, that means I can spend it down the road on something that I really want. That takes a while to sink in.”

Money might not have been a regular topic of discussion while Stickler was growing up, but the entrepreneur says her mother did show her the value of a dollar in other ways: repurposing old jeans into shorts or empty butter tubs into containers for school lunch.

In addition to talking to their kids about money, parents can lead by example when it comes to smart financial decisions.

“There are new risks that are now in the equation of being a parent,” Stucky said. “Things like, What if something happens to me; what if I can’t work anymore? How does that impact my child’s financial life?“

Navigating those uncertainties means planning for big-ticket items, according to Stucky. Stickler, who has a young daughter, said she’s already taken some key steps to secure her future: setting up a will complete with a month-by-month timeline and establishing funds for healthcare and school — and even one for clothes and toys.

Related: What Your Parents Never Taught You About Money

According to Stucky, parents should leverage today’s circumstances for tomorrow’s success.

Stucky recommends setting up a 529, to which you can contribute funds for education, and a Roth IRA for your child.

“[With a Roth IRA], you are able to contribute on their behalf up to the child’s earned income amount or the current contribution limits of $7,000, and the dollars come out tax-free after age 59 ½ or if they need to use it for a qualifying life event,” Stucky explains. “It’s a way to set up your children for their retirement, as well as support generational wealth.”

Parents might also consider a Uniform Transfer to Minors Account (UTMA), which has no limit on the amount that goes in and allows them to retain control until their kids reach 18-21, depending on where they live, Stucky says.

Related: Shark Tank’s ‘Mr. Wonderful’ on Teaching Kids About Money: ‘Put Their Noses In It, Like You’re Training a Puppy’

Finally, Stucky recommends the “often overlooked option” of permanent life insurance for your child.

“The policy will pay a death benefit someday so long as the required premiums are paid,” he explains. “In addition, policies accumulate cash value, which your child could access during their lifetime.”

As an entrepreneur or business owner, travel might be a fundamental aspect of your strategy to network, expand, or oversee operations. Though, it probably isn’t in your business plan to spend a lot of money doing so. In 2023, Zippia reports that the average business traveler spends $949 in fees.

You could reduce travel expenses such as flights and hotels if you shop around on sites like Expedia or Priceline, but why not let this AI-powered travel app help you book your next business trip? Save 40% to 90% on upcoming trips for life when you get OneAir’s Elite Plan for $69.99 (reg. $790).

Your most affordable business trip yet

Whether you’re meeting partners in New York City or London or flying employees to a company retreat, travel expenses add up. If you’re ready to cut some of those costs down, add up to ten departing locations and specific destinations where you have client-facing meetings or networking events.

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A travel app designed for entrepreneurs

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StackSocial prices subject to change.

The average company spends 3.28% of its revenue on technology, and that doesn’t include software or hardware renewals, according to a study conducted by Deloitte. Although your company’s tech equipment budget may be costly, you don’t have to spend hundreds on new devices each year to boost productivity.

Instead, you could make those you already have more efficient. First up is your PC. If it isn’t already running on Windows 10 Pro, you’re missing out on the latest productivity tools and innovative security measures. Through September 29, this operating system is on sale for $19.97 (reg. $199) for life.

Increased productivity for your PC

If you’ve noticed slower performance on your device, this operating system (OS) upgrade is designed to enhance your PC’s performance and efficiency. Thanks to its 64-bit computing architecture, business owners and their employees can multitask while crunching numbers on Excel, designing company graphics, and leading stakeholder meetings.

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Designed specifically for working professionals

As a solopreneur or working professional, you’ll benefit from the Pro side of Windows 10 (vs. Home, the free version).

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Boost your productivity and streamline your workflow with Windows 10 Pro, now on sale for $19.97 (reg. $199) through September 29 at 11:59 p.m. PT. No coupon is needed.

StackSocial prices subject to change.