How do you teach money sense to someone who thinks they know it all? My daughter is now working at a local restaurant. She's doing okay on tips, probably making between $100-150/week. Although she's supposed to work 5 days, she frequently goes in and they send her home. Her hourly wage is a joke -- under $4.00 an hour. She wants to save up for a car. Sounds good, right? Well................... Last night she told me she needed $5.00 to fill up her scooter. She was livid when I said no. At the present she owes me well over $500. She's made no effort to pay a single dime of it. When I mentioned this, she honestly seemed to think it was okay to owe people money and pay them after she bought what she felt she wanted or needed. I was amazed she saw nothing wrong in owing me money and then asking to borrow more. I've tried to get her to save money from day one but have had no success. If she has a penny, it HAS to be spent. I've shown her budgets, charts, graphs, whatever I could think of to get her to see how she needs to budget. She keeps thinking she will miraculously come up with the funds and, when she doesn't, just lets the bills go. Obviously, this drives me crazy on several levels. However, she is 20 and, at this point, her money is hers. If she chooses to not pay me back, I simply choose to not give her another dime no matter how dire the need. I was honestly in tears last night at her attitude (we'll skip the screaming, etc. because I've gotten so beyond caring about what spews out of her when she's upset and on the defensive). I couldn't look at her today without being ashamed of the person she is becoming. How do you cope with those feelings? So, the questions -- Do I have any right to even be upset about her lack of financial responsibility? What can I do to teach her or should I just consider it a lost cause at this point and hope reality teaches her before it is too late? And the biggie: Why do our kids so willingly ignore our values and blithely do things that are so diametrically opposed to everything they've been taught?