Teaching our kids about money can be intimidating if we're not comfortable with our own skills, or haven't managed our own finances in the best way. Kids do pick up on inconsistency, and will notice if you're not doing the things that you want them to learn. The wish to have our kids learn to handle money wisely, including when they should -- and shouldn't -- borrow it to purchase things, may be good motivation to improve our own money-management practices.
As parents, it's particularly important to practice what we preach. Money is one of the tools that makes the world go 'round, like it or not, and kids need to learn how to use that tool responsibly. Those lessons really should begin at home.