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This is my 18-year-old son, Luke.

He'll be graduating high school in just about six weeks.

All right, Luke.

Yeah.

And my question is, as a parent, how do you steward your growing children well without micromanaging

their disposable income? And just a tiny bit of context, we are huge Ramsey fans. Luke has been working

since he was 14. And our rule from Paycheck 1 was you save 50%, you can spend 40%, and you give 10%.

So he has a lot of disposable income, and I feel like he makes purchases that from my perspective

are excessive, and yet I don't want to micromanage him as his mom.

Yeah.

Well, you kind of sort of answered your question in that last

statement. You are a mature, successful adult who happens to be his mom. He is an 18-year-old boy with,

God bless you, your frontal lobe is still developing. Yeah. And he appreciates that. So I think that from my perspective is the part where you're going to have to release a little bit.

Now, I'm going to tell you how I've got three.

I've got a 20-year-old in college in Chicago who literally can't keep money in his account

longer than 17 seconds.

Nice.

And then I've got a middle son who has three grand in his account longer than 17 seconds. Yikes. And then I've got a middle son who has three grand in his account and won't spend it on

anything.

And then I have a daughter who's 17, who's just like the 20 year old.

...