<prompt> Human: If you have grown kids, how well were you able to predict their financial situation when they became adults?I have three kids that are nearing middle school age. Two of them are able to defer gratification. They see the longer term horizon pretty well. Im not worried about them.The other kid does not see deferred gratification at all. Two minutes into the future is ultra-long term planning. This child has no concept of giving something up now for something bigger into the future, which makes me worried that heshe will always have money problems in adulthood, no matter how much they make.If we say that financial success in adulthood is more driven by behavior rather than smarts and that behaviors are mostly in place by age 7 theres a quote that says Give me a child until the age of 7, and I will give you the man., then we should know pretty early on how well off financially children will be. So parents PF, is that the case?  <response>: That might be a little early to tell. When I was in middle school and younger I spent like crazy. If I had 40 it meant I go buy a new video game. Even if there was no game I really wanted at the time, I had money, therefore it must be spent. I bought CDs I never listened to and movies I never watched just because I wanted to have a large collection of both.Then I did a complete 180 when I got to high school and became a super cheap penny-pincher. By the time I graduated I had a net worth of over 5000, which may seem like nothing but considering I made 5hr and rarely worked more than 15 hours per week I had saved about 80 of what I earned. That has kept up since and now the harder part of personal finance for me is allowing myself to spend a little extra when Im well above my savings goals. 