I have talked to her about understanding costs for simple things like using an atm when you take out $20 and have a $2.50 atm fee vs. using your bank without fees or if it is not an option take out $200 if you can stretch it over a longer period so your cost for the funds is lower.She knows I believe in saving for what you would like to have and don't buy it if you don't have the money or don't need it.I think financial education is important and comes from home.