That's right. My six years old asked me to explain how to buy a house. "After you buy a house, do you still have to pay money each month?" he asked. He must have heard us talking about monthly budgets. I explained the concept of mortgage, and monthly expenses associated with home ownership. Then he asked "How much is a car?". That leads to a discussion of a "loan". "Mortgage is a type of loan" I said.
Finally, we talked about work. "If you have all the money in the world, would you still need to work so hard?"
The answer: I may not need to work as hard, but I really enjoy what I do. I enjoy making a contribution to the world. Helping people makes me happy. You will not be happy if you do nothing every day.
I hope they understand.