3 big questions to ask Mom and Dad before you make a major financial commitment

At 35 years old, you might have a mortgage, two kids, a six-figure salary and an MBA degree hanging on the wall.

And you still might want to call your parents before making a major financial decision.

That isn't a walk of shame.

It might actually be financially savvy.

Somewhere along the way, we decided that becoming an adult meant we were supposed to have all the answers about money.

By 35, you're supposed to understand investing, mortgages, taxes, insurance, retirement, college savings and how much house you can afford.

THE RICH HAVE ONE FINANCIAL HABIT MOST AMERICANS IGNORE AT THEIR PERIL Really? You can have an MBA and still make terrible money decisions.

I see people do this every day.

I've met incredibly successful executives who couldn't explain their 401(k).

Entrepreneurs who built multimillion-dollar businesses but carried ridiculous credit card debt.

Highly educated professionals who bought way too much house because the bank told them they could "afford" it.

COLLEGE GRADS EXPECT TO EARN $80,000 A YEAR, BUT THE MATH ISN’T MATHING Education gives you knowledge.

Experience gives you scar tissue.

And your parents may have 30 or 40 years of financial scar tissue you haven't earned yet.