The purpose of this study is to examine the influence parents have in reducing the financial strain their children experience as early adults to the extent that financial prudence was modeled in the commonplace routines of home and family life during the child’s growing-up years. Using data from students from two large U.S. universities, financial prudence was examined for its direct effect on the reduction of financial strain and also for two possible indirect effects through debt avoidance and credit card misuse. Financial prudence was found to decrease financial strain directly and also indireclty through debt avoidance and credit card misuse behaviors. Keywords: children and money, credit, economic stress, family finance

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