When I look at successful families, one defining characteristic stands out: The children know how to work. https://www.deseret.com/2011/4/5/20370972/from-the-homefront-7-secrets-of-successful-parenting-teaching-kids-to-work “I need a credit card,”  As an 18-year-old man who is going to college in my community explains, I say,” You need to get a job and have income coming in, for someone to lend you money.”  He comes back with, “But I need money so I can buy a car, so I can go to college and get a job.” I smile and explain, ”The bank isn’t going to just give you money because you’re going to college. You need to show that you can pay the money back.” This is the story of too many college kids in my town. I hear this kind of conversation for college kids all the time.  Somehow they made it to college without knowing the value of money. I often see many college students shop with their mom at the local Walmart at the beginning of the semester. She buys them items for their new apartment, rugs, decorations, plates, bowls, and their cart is heaping full. After they are settled and mom is gone, the students come back to Walmart returning most of the