With all things being equal (love, supervision, opportunities, or a lack of these things), kids grow up to be adults. There is no changing that phenomenon. Let us-as parents, guardians, or just people who care-equip them with some information that will cause them to think about their choices and the consequences, especially ones that may have a financial impact on their lives, which is just about everything. Even more important is teaching our kids to think about how to access a situation or think about a problem and make informed decisions using good information. It's the least we can do for kids at an early age so they aren't totally surprised as adults and end up on the "vicious cycle" wheel of bad decisions and endless debt.