This is the tragedy most families never see: a blessing delayed is often a blessing lost.

Money doesn’t carry the same power in every decade. Most families give it at the stage of life when it accomplishes the least. A dollar at 25 can change a destiny. A dollar at 55 barely moves the needle. //

Then there’s the confusion between “spoiling” and “equipping.” Spoiling is Cancun trips and Teslas for teenagers. Equipping is a down payment, cleared debt, or tools that create stability and responsibility. One creates softness; the other creates potential.

This fear sits beneath almost every hesitation. But money doesn’t create character; it exposes it. It amplifies what is already there. A grateful child grows with it. A disciplined child multiplies it. A foolish child reveals his foolishness, but at an age when the mistakes are still recoverable.

The danger isn’t giving. The danger is giving without guidance or waiting until bad habits have hardened. A young adult will waste less and learn far more with $10,000 at 23 than with $200,000 at 45. Early mistakes are small; late mistakes are catastrophic. What ruins a child isn’t generosity; it is handing real power to an undiscipled heart and walking away. //

Money needs structure, expectations, and accountability. Like fire, it warms the house when it is controlled, and it burns the whole thing down when it is not.

Because money is powerful, it must match the child you are actually raising, not some idea of fairness. Equal giving is not wisdom. Wise giving is. Some children can handle more. Some need guardrails. Some need coaching before capital. Some need smaller steps. Your job is not to divide everything evenly; it is to be a good steward of all that you have been blessed with.

And here is what most parents miss: by the time your child is 25, your authority is basically gone, but your influence is not. You cannot command an adult to avoid foolish debt, but you can position them to avoid it. You cannot force stability, but you can create the margin that makes stability possible.

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