<prompt> Human: So basically the kids get a salary allowance. They can choose to invest some of their money with you, at interest or on stocks or real estate. whatever. Get as complicated as you like. They can take out loans or use home credit cards, but must then make monthly payments to pay it back. You keep a running credit score for them and show them how that works.Would this be a worthwhile escapade?  <response>: It worked for me. Mom set up a household ledger and wrote in the balance each month that was due for household expenses and anything else I owed her. I would pay my fair share of rent, utilities, groceries etc per that ledger. It was kind of like a zero APR credit card and made my obligations easier to see and comprehend all in one place. I could avoid feeling like a parasite and didnt have to expend too much mental effort outside of my studies.I got pretty good about paying it on time after a while, and by the time I was living on my own, I fully recognized the importance of knowing ones recurring monthly expenses and figuring them into a budget. 