If I had kids I could see how they misinterpret things I say and anxieties I express as implying we're struggling. I was unemployed for a while last year and had to dip into savings. My new job pays less and our savings haven't been noticably growing so it's making me say things like "do we need this?" or "can we spend less on Christmas?" We still have a very large buffer (and we're fortunate to have it). But I could definitely see a naive child thinking it meant things were very rough for us.