I really don't think the "Where do babies come from?" question is a hard one to answer, but I suppose if you have a problem calling genitals by their names, it might be a difficult one to discuss. For us, it's more like writer811 described. It's hard to explain income and debt to your children and get them to understand that they can't have every single thing they lay their eyes on!! You know that old adage, "Money doesn't grow on trees"? You're going to wear that one out, let me tell you!!