For many, long gone are the days of the stereotypical working dad and stay-at-home mom, but financial experts say too many moms are still teaching their daughters to rely on men for money, even when they don’t realize it.

Former single mom Susan Brown Burklin worked hard providing for her four kids. As they prepare for college, she says they’ll need to provide for themselves soon. Teaching her only daughter, she said, has been especially important.

“Sometimes I think I'm harder on her because I know that some women do feel the option to have a relationship and to ultimately marry somebody that will ultimately take care of them,” Burklin said.

Too many women feel that way, according to financial expert Ellen Rogin.

“Sadly, I've had conversations with women in their 20s now and I see although they're really well educated, they still don't have a handle on their money,” Rogin said.

Rogin said moms need to teach their daughters about finances in order to avoid the three most commonly made mistakes.

Mistake No. 1: Being a bad role model.

“Kids learn from us; from what we say and they watch what we do,” Rogin said.

Mistake No. 2: Waiting too long to teach.

“In our family we gave them allowance and divided it up in to three parts; one was for saving, one was for spending, and one was for giving,” Rogin said.

Mistake No. 3: Treating their sons differently.

“Whether those are expectations about earning money or saving and investing down the road,” Rogin said.

Burklin's daughter said even though it would be nice to have a family of her own some day, she recognizes her mom for teaching her to not need to rely on someone else.

“It’s important for me to provide what I want for myself and not to fall back on someone else taking care of me,” said Allison Brown, Burklin's daughter.

Burklin said she struggled quite a bit financially; that’s why she’s making sure her daughter doesn’t make the same mistakes she did.