I can't afford a candy.

You have a very good point there. I have never heard anyone express it this way before. Myself, my mother never smoked, but I don't remember her ever telling me the reason we couldn't have candy was because we couldn't afford it. As a matter of fact, we probably couldn't afford it. But she never used that as an excuse. I think children should, at a certain age, learn to appreciate the value of money. But I don't know exactly how you teach them when you can and cannot afford candy. To them, it is probably a high priority. Whereas, to us utility bills, house payments, etc. are our main priority. I think maybe if you sit down with them, and let them help you with a budget, it would be more helpful. Let them see what comes in and where it goes. That may be more explanatory than simply telling them we can't afford something. Thank you for starting this interesting discussion, I hope you have a great day!