As parents we do try jaDEB but they do have their own minds. (Apologies if hijacking your thread sw.co.za but this was too good not to share:)
My youngest always said when he is big, he wants his own bank. Being a good mother and teaching them they can do anything they set their minds to, I encouraged them.
One day he came home after school with much more money than what he went with. Puzzled I asked how he does this.
"I have my own bank" he says. I turns out he saved his money and are lending it out at school to pupils at 100% interest, 1-day-term and the next day lending out the money plus his earned interest again.
Business was booming. Being a little shocked but secretly proud I had to tell him no-no, you must first apply to be a bank and comply with all the regulatory requirements.
Later, when I realized both of them have Jordan Belfort as a role model I said:
"Okay boys, you've got the business plan sorted, let's take it down a notch. Now, let's focus on ethics and morals for a bit." The youngest is still adamant, he will have his own bank one day.