We are teaching our kids (4)as we learn stuff and it’s interesting to watch how different they are in their responses. Only one of our 4 is actively intending to pay the price and work hard now (at 18) to be ahead later. Seems to me that different people learn differently and even when it is clear that one path is better than another, it is not going to be the path everyone will automatically choose. No matter what the issue there will always be those who think they know better and will learn the hard way!! I have come to think that this is best anyway, because people have to truly believe in what they are doing in order to be prepared to put in the effort.