That's where parents sometimes have difficulty. When we start talking about money to our own children, a little judgment creeps into the conversation.

If parents can think of it in terms of a process, not a cutoff, it can help.

It's a no-lose situation for the children, the parents and the community. That's wonderful. It's money well spent.

A lot of the publicity is really negative about people - that they've got hit men ... they waste all the money. I'm sure that does happen. I just know there are a lot of people who really do adjust successfully.

It's better to be talking to your children all along than when it's too late. Parents should just cater their talks to the different age levels their children are at.

The miracle of children is that we just don’t know how they will change or who they will become.