Children often dream of the day they can call themselves grownups, but few look forward to – let alone think about – the financial realities of independence. It’s never too early to start teaching your children how to save money and spend responsibly. “As parents, our job is to set our children up for success,” Bank of America’s Head of Deposit Products Erin McCullen said. “Giving our kids a strong foundation of financial skills like budgeting and saving is a key part in ensuring they thrive as adults and can concentrate on the things they love.”