6. No, the ATM is not a magic free money machine. Young children see their parents inserting a plastic card into a machine that spits out money. You can’t deny that there’s something magical about that. To dispel the magic myth, go to the bank with your kids, deposit cash into your account, and show them the receipt from the teller. Then go to the ATM, take out $20 and print a statement that reflects the withdrawal and the new balance. Hard evidence is the best way to make the idea stick. 7. Those plastic cards and their bottomless pits. When kids see you paying for gasoline and groceries with a plastic card, they think the card is a bottomless pit. Sit down with your kids when the credit card bill arrives, and go over the list of expenses. Then, write a check from your bank account to help them make the connection that the money had to be deposited into your account before you could pay this bill.