Talking to adolescents or teenage children about the future and what they plan to do can be an intimidating part of parenting, as the subject matter can be tricky to address neutrally. While you’re certain to have advice and guidance you want to impart, it’s important to let your child have their input as well. You may just want to pass on your knowledge and experience but being too insistent that you know best can make your child shut down. Here are some of the important topics you may want to cover during this talk with your kid about the future.

Don’t Ignore Your Credit Score

Many young adults are targeted with credit offers as soon as they hit 18, well before they can truly understand the impact these offers have on their future and their employment prospects. Jobs in finance, government, and management may all run background and credit checks before hiring. To protect their credit, young adults should use credit sparingly and make regular payments to keep their scores from tanking. Be sure to advise them that the best way to proceed when you find yourself in debt is to communicate with the debtor to see if they can help decrease the payments or give you extra time to pay. Any damage done to your child’s credit score can be fixed, but it can take years, so it’s worth the effort to prevent the damage from happening in the first place.

Choose a Career With Projected Growth

No matter if your child wants to pursue an education beyond high school or jump right into the working world, they’ll be faced with the choice of what to do. Choosing an industry that is going to grow is one way to ensure they stay in demand over time. For example, industries like graphic design are growing rapidly, with a 3% expansion projected between 2018 and 2028. This helps new prospects entering the job market feel secure in the ability to build a career within these ten years.

Follow Your Passions

While some parents are devastated to hear their children want to pursue careers in the arts, like singing, playing an instrument, writing novels or poetry, or acting professionally, these dreams can be just as real as any other career aspiration. It’s indeed hard to make it as a Hollywood star, but there are many other options for aspiring actors and singers, including local venues, national touring companies, and community theatre productions. For example, The Grand Opera House in Wilmington, DE has been open for over 140 years, employing on-stage talent and behind-the-scenes support staff. While these jobs may not pay as well as top television shows or Las Vegas stages, your child can still earn a living doing what they love.

Know Your Rights

No matter if your kid will be working right away or taking time to get an education, it’s important for them to know their rights once they do start earning a living. Kids who are new to the workforce, college students, and those who are eager to move up in a workplace can easily be taken advantage of by unscrupulous bosses. Make sure your kid knows that hourly employees must be paid the mandated minimum wage in the state plus overtime wages of time and a half for working more than 40 hours a week.

With a tactful approach and a willingness to listen, you can get your point across while encouraging your child to share their dreams and aspirations for the future with you, opening up a new kind of relationship for you both.