Psychotherapist Eileen Gallo and her husband, Jon, have advice for parents looking to teach their children a healthy view of money. Here’s their advice:

Don’t say, “We can’t afford it,” as an easy way out. Do say it’s too expensive, or, “I already bought you two things today.” If you really can’t afford it, your child may worry about family finances.

Don’t make a practice of putting off talking about money matters, or you’re headed for trouble. Do get around to discussing the fair price of a good or service versus the cost.

Don’t say, “We’ll pay you $100 for every A on your report card.” Bribery doesn’t teach responsibility. Do make sure your child knows your love is unconditional and not “earned.”

Don’t say, “Time is money.” Putting a dollar sign on everything belies the fact that even adults need time to relax. Do allow your child to be a child sometimes.

Don’t say, “That’s not an appropriate question” by snapping back when your child asks, “How much money do you make?” Do answer what they’re really asking: Yes, you’re secure and, yes, you’ll be cared for.

Don’t say, “Don’t ever tell anyone how much money we have.” Do let them know privacy is important, but excessive secrecy can build enough distrust that grown children fear confiding their net worth to their own financial adviser.

Don’t say, “Why don’t you have your friends over? After all, we have a _____.” Fill in the blank with any number of expensive toys; it teaches that you can buy friendship. Do make your children’s friends feel welcome in ways that don’t stress material goods.