Would opine that many/if not all of us project what WE'd do with that kind of jingle at 18 years old. Some of us were collecting pop bottles to turn in for 5 cents to take our dolly out to a movie and popcorn. What some of these kids are getting is life-changing money. At least for an 18 year old. Times have certainly changed, and age/income level of parents certainly factors in. Certainly don't mean to imply that these kids come from homes with dirt-packed floors, but closer to that than to being transported here and there by a Bentley. Anyway, have tried to infuse with our daughter the need to invest at an early age, for her retirement (decades away), but am suggesting that mayhaps there's a larger need at home in the present.....anyway, guess trying to paint a broad-brush scenario without a ton of knowledge.....