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If your child wants something at a toy store, bring the toy off the shelf and talk to him about how much it costs and how he could devise a plan to one day buy the toy. "I'm not going say, 'No, you can't afford that,' and 'No, you can't have it.' I'm going to bring it down and talk about it and try to empower the child so that they feel able, capable and responsible and also learn some things about money at the same time," Chick says.