I have a feeling that the friends your children make have an underestimated influence on their behaviours, and what they consider worthwhile to spend time and m

I have a feeling that the friends your children make have an underestimated influence on their behaviours, and what they consider worthwhile to spend time and money on, from their mid-teens until they work out their own life plan (which is sometimes never). The lessons parents can teach them about life only seem to be learnt if they're relatively immediately applicable. I didn't care about 'saving' until well after I realised I was earning enough to be worth saving - in my early 20's. Prior to that, I never had any money worthy of 'considering my future' beyond a new skateboard deck or fashionable pair of shoes so, you know, take your advice about saving for the future and stick it because it doesn't apply here.