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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I don't put this down to, "He's just being a teen".

I have teens - 15 and 18 yr olds.  Sure, they think they know more than us when it comes to social and cultural things of today, but not about general living, certainly not about money.

We talk to them about finances, taxes, investments, opportunity costs, etc...    They know they don't know it all.

Op's kid is ignorantly arrogant, and IMO, that is the worst kind.

I think OP needs to have a talk with their DS about respect and what they don't know.   How much it costs to live: taxes, rent, utilities, food, every time you go out how much you spend, how buying an expensive car comes with expensive repair costs, and how that car depreciates x% the minute you drive off the lot.

These are not things that kids inherently understand without it being explained to them.  A long time ago when we were on summer vacation in England, we would have ice cream almost everyday.  DS asked us how much they cost, so we told them.  Then he calculated how much we had spent on ice cream alone while in England.  He was floored. And he was like 10 at the time.  He's become quite frugal now at 18; he's been working since 16.

And yes, make them work a minimum wage job.[/quote]

The thing is: we DO have those conversations a lot! And he takes financial literacy at school which is all about living expenses, taxes...But it is not sinking in at all. He is frugal with his own money.[/quote]
He's arrogant and thinks he knows better than you do after taking a few classes, as if that's all that's required to be financially savvy and knowledgeable.  It's leading to him being disrespectful to you.

I would have a chat with him about being respectful to his parents. He can have his own opinions, my DS does, too, and thinks I'm wrong half the time.   I still don't tolerate disrespect from him.  We have conversations. I try to listen to him (not always easy), and we have "discussions" about it.  He was also on the debate team, so he knows how to argue.

If he argues about what he thinks you should buy, just tell him that he is free to buy whatever he wants when he's working and has his own money. But for now, you are the parent, and you will be making the decisions.

If things get worse,  and he thinks so little of you, he's free to try to make it on his own, including paying for college.  You can let him know that your "dumb" financial mind was able to save for his college (assuming you have).
 
I would be serious about that because of how little respect he's showing you.

I once worked with a woman who had a seriously acrimonious relationship with her son.   When he turned 18, she decided to let him figure it out by himself. He went into the military, and came out disciplined and respectful.  They ended up having a great relationship.

Sometimes, it just takes a little dose of reality and being put in your place for the "young adult" to respect you.[/quote]

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