From a surprisingly early age, the kids in your life also notice money: who has it, who doesn’t, and how your household handles it compared to other people. They overhear arguments and pick up on stress. With every financial decision, you set an example. “You are a mirror and your kid is a sponge,” says Jordan Wexler, co-founder and CEO of EarlyBird, a registered investment advisory company where parents can open custodial and college savings accounts for their kids.