they learn delays rewards, you teach them to give first, save second, spend third. >> i love the story about the checking accounts, now you have to learn to manage finances, you bounced a couple of checks, what did he make you do? >> he made me go down to the bank and apologize to the executive branch manager for lying to him because i told him i had money in his bank to spend and i didn't and i still wrote three checkis and so i lied. >> what a lesson, did you call -- >> she has not bounced a check since, it worked. >> and you helped them get a car but not the whole thing. >> and we told them that ahead of time. we would start to tell them 10 years old. we will match you, we told them. some parents can do that. some can't. but whatever the lesson, learning to set goals that are