When the school year began, I started providing my two oldest granddaughters, high school students, with a monthly allowance. The deal I made with them was that to receive the allowance they had to give some of their money away; they had to save some of it; and they had to be able to tell me where every other dollar was spent. It was to be an exercise in knowing where their money had gone.
A couple of months after this began my daughter informed me that there was a problem in that the five-year-old didn't understand why she wasn't getting an allowance. I started sending her a little each month. Apparently, she has now discovered her older sisters are required to report on their spending to me.
Last night I received a call from her. "Okay," she said, "here's the thing. I'm not old enough to have an email and I can't text, so I'm giving my report on the phone. Last month I gave a dollar to the church. I put three dollars in my savings account. And I spent six dollars on myself. Do you have any questions?"