According to a new survey by a coupon website called CouponCodes4u, five out of six parents have taken money that their kids were saving.

Almost HALF of all parents . . . 49% . . . said they've taken money from a child's savings account.

Another 34% said they've taken money from their kid's piggy bank when they were short on cash.

Parents said they spent their kids' money on bills . . . vacations . . . gifts . . . and medical expenses.

The survey didn't say how many parents paid their children BACK . . . but half of the parents who took money said they didn't feel guilty about it.