Phil, I was reading a letter that a grandfather left for his grandkids. He talked about how he hoped the parents didn't buy them a car when they got their drivers license, and made them work a full summer, before allowing them to have one. No work, no car. No work, no appreciation for what is required in life. He wished they would get made fun of at least once, so they would know what it felt like, and not do it to others. He hoped they would get a black eye at least once, for standing up for something they believed in. He hoped that even though little brother slept in the other room, that the older brother would learn enough compassion to let little brother sleep in his bed when he was scared of a thunderstorm. He hoped little brother would learn compassion, by not being obnoxious when he went to the movie with his big brother, and big brother ran into friends, especially female friends. He hoped they learned to fish, so they would understand that not everything is about money, and the things it buys. He hoped they would get to see a litter of puppies being born, and have to take their pet to the vet for it's final visit, having the compassion to stay with the pet until the end, not just dropping the ball on someone else for the hardest part. It said more, but upon reading it, money alone does not teach important values, and lessons. Those are learned in the struggles of life.