Parents would rather talk with their kids about sex than money

Somehow this doesn't surprise me. But ING Direct, a virtual bank headquartered in Wilmington, Del., just released a study indicating that two out of five would prefer the topic of the dangers of alcohol and drugs, than have a discussion with their kids about the family's financial situation.

And about three out of 10 parents would rather talk to their children about the birds and the bees.

Sure, that's kind of amusing, which is why I thought I'd mention this, although it's kind of sad, too. Does this hint at how we got into this mess, or is that parents don't want to talk about money because of the recession? Either way, this isn't a good thing.

But what's really troubling (at least according to this survey, which collected the insight of 2,123 adults) is that 18% of Americans are raiding their children's savings accounts to pay bills.