agree.. i have a sister who i wish she would look at money for her kids this way.. I try to when i am home, and educate them.. it will take you 4 months to get this, is it worth it.. They say yea mom will just buy it..i mean not my place, but i think this is sooo important. My parents taught us about money at a young age also. I have always been smart with mine because of this lesson.