<prompt> Human: The wife and I have a pretty good system: our daughter wants iPad apps, so we give her a little bit of money every time she does her chores good manners at the table, brushing teeth, cleaning up, etc. The problem is that Im afraid shes learning to just save up until she has enough then blows 3 on an iPad app instead of saving it. Better than nothing, but it might be encouraging bad spending habits. Should I force her to put away 20 even if she doesnt want to? Or maybe just put away big windfalls birthday money?  <response>: Modeling appropriate behavior is the best beginning for her.As she gets older - by middle school - give her an allowance which will cover her clothes, etc., and let her experience what it is like to run out of money, while she is still in a safe environment and wont be sleeping under a bridge as a result. Be clear which expenses she is responsible for, and which you are willing to pay for. Also, be clear if there are certain things you expect her to earn her own money for. 