[skfroi]

I read this as if I would have wrote it.

I never got an allowance but I mostly got want I needed and wanted within reason. This was basically determined by the chores I did and how much I generally helped in the house.

My parents and grandparents always sat me down to do the monthly budget with them. I learned early on the way money flowed in and out of the household. That gave me a perspective on debt and credit that many of my friends didn't have.

I did get cash on birthdays and holidays and on some other special occasions.

Once I started working (around 13) that money was mine to do with as I pleased. There was a great sense of personal responsibility. I think that really helped me once I left my parents home at about 17.

I have no opinion on the "free" money of not doing chores. All kids and families are different. I will say that having my parents be honest about our finances and not shielding my as much did help me in the long run.