Sorry to break it to you. But you have more to be stressed about than how your children will finance their education, orif they will have retirement.

You need to be just as concerned with how you talk about money, and what your behavior is teaching your kids.

In this podcast, "Financially Fit" compiled a list of bad habits kids pick up from mom and dad.

Here are their "Top 5" things not to do-

• Arguing about money in front of the kids.
  Researchers say that can strain marriage, family life and money years later.

• Spending money you don't have.

  College students will graduate with an average of $4,000 in credit card debt.

• Failing to price compare when shopping with your Kids.
  Bargain shopping, on the other hand, shows kids to shop for the best deal.
   
• Spending money instead of quality time with your kids.
  
  Kids want your time more than they want your money. But parents working long hours may be tempted to shower their kids with gifts since they don't have the time to give them.

• Freely handing out money with no strings attached.
  Start young and give allowances to your kids if they do their chores around the house, and make them use that money to buy want they want and need.

For more information, See "Financial Fit Top 5"