Now, if you're a Gen X parent like me, you probably grew up with the idea that money talks were just something you avoided or left for later. I mean, the advice we often got was ‘just work hard, keep your head down, and you’ll figure it out.’ But things have changed, and today’s Gen Z teens face a whole new set of financial challenges that we didn’t have to deal with growing up. With everything from student loans to credit cards, and the rising cost of living, we can’t afford to put off these discussions anymore.