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[quote=Anonymous]I don't think it's cringe. I think it's a fair thing for a parent to point out to a kid who has these options.

Here's what we're doing: we have a higher HHI (though some on DCUM would scoff because it's south of 500K) and live in a 1m house, can afford to full pay college, and we can take vacations and have nice things within reason, not without some stress or budgeting.

We talk to our kid about what things cost and what is within reach and what isn't.

They know we struggled when we were younger (but kid doesn't remember) and they know we do well (but we are not rich like many kids at their school are). I don't really sit down and steer him to finance (though that's his inclination) but I do say things like "Hey, you know when Fido was a the vet last week? That cost $2,500. Everyone should be so lucky as to afford that, but it's not easy at all for everyone to afford. You should think about things like this when considering a path, considering pet ownership, where you live, etc...." We do the same for vacations, including what they cost, where we CAN'T go right now, etc...

We also remind him often that dumb ass stuff like day trading or risking it all on one meme stock is not on the table as a viable option, and we can not and will not bail that crap out. So many kids think these these days.

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