I guess my children were fortunate in that I didn't achieve financial success until they were older, high school students. I was then able to afford to contribute significantly to their college education and marriage. However, in the years when they were growing up they heard "No" sometimes. On many Christmases they received IOU's to be redeemed for gifts throughout the year. (Funny thing about that one, their friends were jealous when they got something in those later months) Today, my children are healthy adults, independent, and self-sufficient. I guess Vitamin N is needed