This is something I struggle with, not just financial responsibility, but responsibility in general. It's better to show kids, than to tell them (but not as easy). And some kids get it, other kids don't no matter what one does. A struggle I have is that I want to take my family on a trip to Walt Disney World. But that goal is not conducive to other goals we have (remodeling house so both kids could have their own room, saving for their college). Just to get feedback, I asked my kids what they would choose if she can only have one. My 8 year old daughter REALLY wants her own room. Surprisingly, she picked saving for college. As she said she could always get her own room once she is an adult (our 4 year old of course chose Disney World). It touched me that she could look at the big picture and put it into perspective. I would love to give them all those things. By allowing them to participate in our conversations they are learning that even if one has money, everything involved a choice, and the choice are about values. But to do that, I need to put my money where my mouth is and not spend money in areas which are not where my values are. I don't know if this makes any sense.
Believe me, everything you wrote makes sense.I'm impressed to see the love you and your family share.You are growing your children with great values and you must carry.
on.My father is just like you and your writings has really made me feel proud about the values and the brought up he has given us.Hats off !