Most parents who are navigating financial difficulty make a decision, usually without fully articulating it even to themselves, about how much their child should know. And most of the time, that decision lands somewhere in the vicinity of: as little as possible. The intention behind it is straightforwardly loving. Children should not carry adult burdens. Their job is to be children, to feel safe, to grow up without the particular weight of financial precarity pressing on a developmental period that is already demanding enough. We want to give them the protected space of an uncomplicated childhood for as long as it is possible to provide one. This instinct is not wrong. But it is based on a significant overestimation of how successfully financial stress can be contained, and an equally significant underestimation of what children are already perceiving. Children understand more about money than we tell them. They understand some of this through direct information - things they have overheard, conversations that were not as private as the adults having them believed, the deductions a bright and observant child makes from the changed texture of family decisions. But they understand a great deal more through channels that are entirely independent of explicit information: the ambient emotional state of the household, the tension that is present without being named, the things that are not said and the topics that are quietly avoided, the parent's face when a bill arrives, the different quality of the no that comes when the family's finances are under strain compared to the no that comes when they are not. Children are, in this sense, better economists than we credit them for. They are tracking data points we do not know we are providing. They know the difference between "we're not buying that because you don't need it" and "we're not buying that because we can't." They may not have the adult conceptual vocabulary for financial scarcity, but they have something more visceral: the felt sense of what it means when the adults in their world are worried about resources. That felt sense is ancient, evolutionary, and extremely well calibrated. It has been preserved across human development because knowing when resources are scarce is survival-relevant information. Children come into the world primed to detect it. What they do not come into the world with is the conceptual framework to make sense of what they are detecting. And this is where the gap between what children perceive and what they are told becomes genuinely problematic. A child who is registering financial stress through the ambient emotional state of the household, but who has been given no information or frame for what they are registering, does not conclude that the family is having a difficult financial period. They conclude something that is both simpler and more threatening: that something is wrong, that the adults are not okay, and that the wrongness is present and unaddressed. In the absence of information, children do not generate neutral interpretations of ambient parental distress. They generate child-centred ones. They wonder whether they have done something. Whether they are the cause of the tension that is present without explanation. Whether the unnamed thing that is making the adults different is somehow about them. This is not a failure of childhood reasoning. It is the predictable output of a developing mind that is cognitively egocentric in the technical sense - not selfish, but organised around itself as the primary reference point, because the self is the most immediate and available explanatory variable. When something feels wrong at home and no explanation is offered, the child reaches for the most available one. That explanation is almost always some version of themselves.

The social media ban and how it is affecting your children.