Teach_VV0 your_APPGE child_NN1 financial_JJ independence_NN1 It_PPH1 's_VBZ a_AT1 great_JJ time_NNT1 for_IF parents_NN2 to_TO teach_VVI real-life_JJ lessons_NN2 about_II money_NN1 ._. 
"_" In_II the_AT past_JJ year_NNT1 ,_, college_NN1 savings_NN2 plans_NN2 may_VM have_VHI had_VHN big_JJ losses_NN2 ,_, or_CC a_AT1 friend_NN1 's_GE parents_NN2 might_VM have_VHI lost_VVN a_AT1 job_NN1 or_CC a_AT1 house_NN1 ,_, "_" says_VVZ USAA_NN1 member_NN1 Susan_NP1 Beacham_NP1 ,_, founder_NN1 and_CC CEO_NN1 of_IO Money_NN1 Savvy_NN1 Generation_NN1 ._. 
"_" Our_APPGE kids_NN2 are_VBR paying_VVG attention_NN1 ._. "_" 
While_CS they_PPHS2 're_VBR listening_VVG ,_, start_VV0 talking_VVG --_JJ and_CC help_VV0 them_PPHO2 gain_VVI financial_JJ smarts_NN2 ._. 
Kids_NN2 clamor_VV0 for_IF independence_NN1 ,_, but_CCB when_CS it_PPH1 comes_VVZ to_II money_NN1 ,_, many_DA2 young_JJ adults_NN2 are_VBR n't_XX as_RG interested_JJ in_II becoming_VVG self-sufficient_JJ ._. 
Some_DD of_IO them_PPHO2 ,_, dubbed_VVN boomerangers_NN2 ,_, even_RR move_VV0 back_RP home_RL after_II college_NN1 graduation_NN1 or_CC starting_VVG a_AT1 job_NN1 ._. 
But_CCB too_RG much_DA1 parental_JJ help_NN1 might_VM hinder_VVI a_AT1 crucial_JJ rite_NN1 of_IO passage_NN1 --_JJ financial_JJ independence_NN1 ._. 
Nudge_VV0 your_APPGE kids_NN2 toward_II financial_JJ literacy_NN1 ._. 
The_AT payoff_NN1 :_: You_PPY wo_VM n't_XX be_VBI making_VVG waffles_NN2 for_IF your_APPGE unemployed_JJ 30-year-old_JJ when_CS you_PPY 'd_VM rather_RR be_VBI enjoying_VVG an_AT1 empty_JJ nest_NN1 ._. 
Ease_VV0 your_APPGE child_NN1 into_II the_AT world_NN1 of_IO self-sufficiency_NN1 with_IW a_AT1 financial_JJ responsibility_NN1 plan_NN1 ._. 
"_" Decide_VV0 with_IW your_APPGE spouse_NN1 what_DDQ financial_JJ skills_NN2 you_PPY 'd_VM like_VVI to_TO turn_VVI over_RP to_II your_APPGE child_NN1 at_II what_DDQ age_NN1 ._. 
Then_RT train_VV0 him_PPHO1 ahead_II21 of_II22 time_NNT1 so_CS he_PPHS1 'll_VM be_VBI ready_JJ for_IF each_DD1 task_NN1 ,_, "_" suggests_VVZ Beacham_NP1 ._. 
For_REX21 example_REX22 ,_, once_CS your_APPGE teen_NN1 has_VHZ experience_NN1 with_IW an_AT1 allowance_NN1 ,_, increase_VV0 the_AT number_NN1 of_IO spending_VVG categories_NN2 she_PPHS1 handles_VVZ ._. 
Birthdays_NN2 are_VBR good_JJ milestones_NN2 to_TO establish_VVI new_JJ spending_NN1 habits_NN2 ._. 
"_" At_II 16_MC ,_, you_PPY 'll_VM have_VHI to_TO pay_VVI for_IF a_AT1 tank_NN1 of_IO gas_NN1 a_AT1 month_NNT1 ,_, "_" you_PPY might_VM say_VVI ._. 
By_II age_NN1 18_MC ,_, she_PPHS1 might_VM be_VBI required_VVN to_TO pay_VVI half_DB of_IO her_APPGE car_NN1 insurance_NN1 ._. 
The_AT choices_NN2 are_VBR yours_PPGE ._. 
Never_RR spring_VV0 new_JJ money_NN1 responsibilities_NN2 on_II your_APPGE child_NN1 without_IW warning_NN1 ._. 
"_" Let_VV0 your_APPGE child_NN1 know_VVI what_DDQ you_PPY 'll_VM expect_VVI a_AT1 month_NNT1 from_II now_RT ,_, a_AT1 year_NNT1 from_II now_RT and_CC when_RRQ he_PPHS1 graduates_NN2 ._. 
No_AT surprises_NN2 ,_, "_" says_VVZ Beacham_NP1 ._. 
"_" Just_RR a_AT1 generation_NN1 or_CC two_MC ago_RA ,_, families_NN2 kept_VVD jam_NN1 jars_NN2 on_II the_AT kitchen_NN1 counter_NN1 labeled_VVD rent_NN1 ,_, food_NN1 ,_, utilities_NN2 and_CC more_RRR ,_, "_" says_VVZ Arun_NP1 Abey_NP1 ,_, coauthor_NN1 of_IO How_RGQ Much_DA1 is_VBZ Enough_RR ?_? 
Making_VVG Financial_JJ Decisions_NN2 That_CST Create_VV0 Wealth_NN1 and_CC Well-Being_NN1 ._. 
"_" Kids_NN2 developed_VVD an_AT1 innate_JJ understanding_NN1 of_IO money_NN1 and_CC budgeting_NN1 ._. "_" 
You_PPY do_VD0 n't_XX need_VVI to_TO go_VVI back_RP to_II money_NN1 in_II jars_NN2 ,_, but_CCB share_VV0 your_APPGE family_NN1 's_GE monthly_JJ budget_NN1 ,_, suggests_VVZ Abey_NP1 ._. 
That_DD1 way_NN1 ,_, when_CS money_NN1 is_VBZ short_JJ ,_, kids_NN2 will_VM know_VVI why_RRQ and_CC they_PPHS2 can_VM help_VVI brainstorm_NN1 solutions_NN2 ._. 
Keep_VV0 your_APPGE teen_NN1 's_GE allowance_NN1 modest_JJ enough_RR that_CST he_PPHS1 's_VBZ motivated_VVN to_TO save_VVI for_IF things_NN2 he_PPHS1 wants_VVZ and_CC eventually_RR to_TO get_VVI a_AT1 job_NN1 ._. 
If_CS you_PPY 're_VBR financially_RR supporting_VVG your_APPGE college-age_JJ kids_NN2 ,_, a_AT1 small_JJ stipend_NN1 will_VM ensure_VVI that_CST they_PPHS2 'll_VM need_VVI roommates_NN2 and_CC second-hand_JJ furniture_NN1 ._. 
"_" Most_DAT kids_NN2 wo_VM n't_XX be_VBI able_JK to_TO afford_VVI a_AT1 high_JJ lifestyle_NN1 when_CS they_PPHS2 graduate_VV0 --_JJ unless_CS they_PPHS2 go_VV0 into_II debt_NN1 ._. 
Do_VD0 them_PPHO2 a_AT1 favor_NN1 and_CC help_VV0 lower_RRR their_APPGE standards_NN2 now_RT ,_, "_" says_VVZ Beacham_NP1 ._. 
Require_VV0 your_APPGE child_NN1 to_TO talk_VVI with_IW you_PPY before_II signing_VVG any_DD financial_JJ contracts_NN2 --_NN1 particularly_RR for_IF credit_NN1 cards_NN2 ._. 
A_AT1 recent_JJ study_NN1 by_II Sallie_NP1 Mae_NP1 ,_, the_AT country_NN1 's_GE largest_JJT student_NN1 loan_NN1 provider_NN1 ,_, reveals_VVZ that_CST the_AT average_JJ college_NN1 student_NN1 carries_VVZ $3,173_NNU in_II credit-card_NN1 debt_NN1 ._. 
That_DD1 's_VBZ a_AT1 46-percent_JJ increase_NN1 over_II the_AT past_JJ four_MC years_NNT2 ._. 
And_CC nearly_RR one-third_MF of_IO students_NN2 now_RT put_VVD their_APPGE tuition_NN1 on_II plastic_NN1 ._. 
"_" If_CS your_APPGE kids_NN2 talk_VV0 to_II you_PPY before_CS they_PPHS2 apply_VV0 for_IF credit_NN1 cards_NN2 ,_, at_RR21 least_RR22 you_PPY have_VH0 one_MC1 more_DAR chance_NN1 to_TO talk_VVI to_II them_PPHO2 about_II other_JJ options_NN2 ,_, "_" suggests_VVZ Beacham_NP1 ._. 
At_II some_DD point_NN1 ,_, your_APPGE teen_NN1 is_VBZ sure_JJ to_TO come_VVI up_RP short_JJ of_IO cash_NN1 ._. 
That_DD1 's_VBZ a_AT1 good_JJ thing_NN1 ,_, according_II21 to_II22 Abey_NP1 ,_, since_CS it_PPH1 's_VBZ the_AT best_JJT way_NN1 for_IF them_PPHO2 to_TO learn_VVI to_TO be_VBI more_RGR careful_JJ ._. 
The_AT cardinal_JJ rule_NN1 :_: Never_RR give_VV0 teens_NN2 who_PNQS live_VV0 at_II home_NN1 advances_VVZ on_II their_APPGE allowances_NN2 ,_, unless_CS you_PPY want_VV0 to_TO teach_VVI them_PPHO2 to_TO rely_VVI on_II payday_NN1 loans_NN2 and_CC credit_NN1 cards_NN2 as_CSA adults_NN2 ._. 
Instead_RR ,_, review_VV0 your_APPGE teen_NN1 's_GE expenditures_NN2 ._. 
If_CS he_PPHS1 's_VBZ unsure_JJ what_DDQ he_PPHS1 spent_VVD ,_, consider_VV0 requiring_VVG him_PPHO1 to_TO keep_VVI his_APPGE receipts_NN2 the_AT next_MD month_NNT1 --_NN1 as_II a_AT1 condition_NN1 of_IO receiving_VVG his_APPGE allowance_NN1 ._. 
If_CS your_APPGE college-age_JJ student_NN1 asks_VVZ for_IF help_NN1 with_IW credit-card_NN1 debt_NN1 ,_, brainstorm_VV0 ways_NN2 to_TO pay_VVI it_PPH1 off_RP ,_, but_CCB do_VD0 n't_XX write_VVI that_DD1 check_NN1 ,_, says_VVZ Beacham_NP1 ._. 
"_" You_PPY 're_VBR not_XX doing_VDG him_PPHO1 any_DD favors_NN2 if_CS you_PPY teach_VV0 him_PPHO1 you_PPY 'll_VM always_RR be_VBI there_RL to_TO fix_VVI his_APPGE mistakes_NN2 ,_, "_" says_VVZ Beacham_NP1 ._. 
Instead_RR ,_, talk_VV0 about_II options_NN2 like_II taking_VVG fewer_DAR classes_NN2 or_CC cutting_VVG back_RP on_II non-necessities_NN2 ._. 
