Adult children will not rush to break out of the parent's nest and strive for independent life, and parents, seeing the weakness of their children, will feel sorry for them and in every possible way protect them from "harsh" independent life. Financial education of children must begin with childhood. The kid needs to be explained that money is earned by labor and does not try to please all his whims. Train him to rationally manage money, and, having matured, he will not "squander" your money.
Modern youth "breaks" the old Soviet foundations and strive to earn it themselves, believing that it is not prestigious to lead a dependent way of life. Financial assistance from parents to adult children who have not yet received a profession can not be shy. Training takes a lot of time, and, independently earning, the student begins to "throw" the study, which in the future can affect the performance. Adult children, trying to enter quickly into adulthood, try to leave their parents to live separately. On the one hand it's good, but on the other - too early growing up, the child can make irreparable mistakes. Therefore, if you really know your adult child, his surroundings, let him try. Help from parents should always be adequate. It is not necessary to imitate the Western countries, where after the termination of college the way to the parental home is closed and it is not even discussed. We live in another country, we have completely different customs, another upbringing. It is necessary to understand that abroad is an absolutely different system of education. It is taught in such a way that a student who has completed his studies and does not have experience can get a job, because there they are taught so much, but in our country, unfortunately this is not.
It is not necessary to provide financial support to adult children, if they already earn, even a little. But they will have an incentive to earn more and, at the same time, learn to save. In doing otherwise, parents exert great harm to their children, developing in them infantilism. And why should they try, if the father and mother still give the money.
Adult children, above all, need a parent's advice. It is parents who must explain how this "live an adult life." Too "pampered" children will be afraid of everything and will not get off their parents' necks for a long time, and parents are always to blame for this. Such adult children will not bother themselves with caring for elderly parents, they will not reflect on the fact that it is very difficult to live on a small pension. Their inertia will affect the character. Soon such children do not want to do anything at all, but did you make them for this?
The longer the children are under the "parent wings", the later they will grow up. Give them more freedom of action. If the student wants to earn money, let him work on vacation. It will quickly develop responsibility. Children grow up and their needs grow, and if you continue to be over-custodian, your financial capabilities will not be soon accounted for. A spoiled child will most all be needed, but by the word "no" you have not accustomed him. Nothing except scandals, insults in your address, you will not hear, because they themselves are to blame for the current situation.
Be your adult children, especially mentors, accustom them to independence, the sooner, the better. Praise them even for small achievements, because positive self-esteem greatly influences the formation of personality, and a confident person quickly reaches the set goals.