<p>cobrat - again, how would you know any adults who are bad at keeping track of their spending? We only know about own kids because some of us have access to our kid’s bank acct. I don’t even know how my siblings spend their money. You just seem to meet so many people who would disclose their financial information. I, on the other hand, have met very few people who wuld tell me anything about how they spend their money.</p>