Good topic Kevin. It reminds me of John Wayne in McLintock! where he is talking to his daughter and telling her she won't inherit the whole operation.
Mom and Dad made us work for what we wanted. Nevertheless they kicked in things. I had a car to use at 16-17. Bought my own at 18 but they still paid for insurance and some maintenance. We split the gas bill which means it was my responsibility but Dad had a pump at the house and I topped off from time to time. I worked for them both in their office and around the house.
I try to teach my kids the value of time (nice Julie) and money. I tried to explain how my parents grew up during the Depression and it colored their outlook on life. My wife and I grew up learning their outlook. We told the kids we are not as frugal as our parents were but we still are careful on spending money.
My son had a paper route when he was 13. I helped him on Sundays and when it was necessary. He wanted to buy a video game council and games. We wouldn't pay for it. Whenever he got a few dollars he wanted to spend it on something right now. I would ask him if he wants this thing now or to wait and save it for the big item. I said he could only spend the money once so make sure it was what he wanted.
Fast forward to today. He and his wife are doing pretty well. Listening to them they know how to watch their money.
My daughter is a little different. She has been independent for the beginning. I find myself helping her financially way more than I should. This year I helped with her divorce. I helped her move. On the advice for her best friend, whom I trust, I bought her a dog to be a companion. Almost every month I hear that she can't make ends meet. I have access to her bank account (so I can deposit checks) I see her credit card it almost all fast food purchases. She's maxed out and over due. I look at that and then tell my wife, what good does it do me to keep the money and have her dig a pit so deep she can't climb out? I won't find any satisfaction in it.
She has a Master's Degree but can't find work in her chosen field. The job she has is an entry level position that has 100 kids with Accounting degrees lined up waiting to take so there is no incentive on her employers part to give her a raise. She has applied a lot of places trying to get the better paying job without success. Until she does I end up helping me make ends meet. I can't let her drown. Even if I told her not to go swimming.