I always said, the teens have the money, but no financial responsibility to go with it.
Case in point, a little while ago a teenage girl was interviewed in our paper, she was doing somthing unusual, the reporter asked her,"How did you do that," the girls answer was, "We teens have the money, but not the financial responsibility to go with it,".......... the unusual thing she did, was not smoking, but investing in the stock market, she had done so well that she can almost retire right out of high school.