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No, that's what you said. I don't know why you're so determined to put words into my mouth in this thread, but whatever... :rolleyes:

I think your family sounds fabulous, sue78, but I think a lot of it is your culture, as you acknowledge. I think most Aussie teenagers that I know would not be anywhere near as grateful, wouldn't have a part-time job, and wouldn't "return the favour" when they become adults, unfortunately. :(...

Um, I didn't say anything like that, actually. :confused: I was talking about how I think it's important to have a work ethic. I didn't draw any black line. :confused:

RumpledElf, she sure sounds like a "challenge". :D I'm sure she's delightful, but I've heard it said that the temperaments of our children are especially designed to test us and bring up all our own issues, and I think there's something in that. What do you think that her behaviour can teach...

This is where we differ... I think it is pretty much the same thing in terms of the impact on the child's money psychology, because the child's not choosing to invest the money. If you gave them cash each year and encouraged them to invest it, but didn't insist, then they may learn a lesson...

I don't understand the idea of wanting to give kids money for a car or to pay for a house deposit, as I think it destroys the work ethic. I started working at age 13, for about $3-4 per hour. If I'd known that I had, say, $10K coming to me when I was 18, I'm sure I would have done the sums...