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Getting children engaged in understanding money can take many forms - from putting coins into a piggy bank to paying into a savings account. For many young adults credit and debt take over as a financial priority. The Step Change debt charity says it has seen an increase in the number of under 25-year-olds calling its helpline.

Adam Shaw and guests discuss the extent to which family attitudes towards cash and debt can influence the financial habits of their children in later life. What are the factors which might improve or derail those habits? Do parents help or hinder the process?

Send your questions, experiences or views by e-mail to moneybox@bbc.co.uk.

From 1pm to 3.30pm on Wednesday 12 October you can also call 03700 100 444, standard geographic charges from landlines and mobiles will apply.

Guests: Dr Elizabeth Kilbey consultant clinical psychologist,
Robert Gardner financial planner and the co-founder of Redstart, the financial education and entrepreneurship programme for young people
Peter Tutton Head of Policy at Step Change Debt charity

Presenter: Adam Shaw
Producer: Charmaine Cozier
Editor: Andrew Smith.