A conversation I regularly have with parents is one around how we transfer positive money skills to our children. We’ve all seen young adults who have been pampered by their parents and as young adults they act irresponsible when it comes to money skills.
I suspect you don’t want this to happen to your children. Instead, wouldn’t it be better that as your children grow they learn about and integrate responsible money skills? You might even find that when your children reach being young adults the skills they’ve learned make them financially responsible.