Not necessarily. I wouldn't suggest that others have the same experience that I had. I never had an allowance and had to start buying my own clothes in junior high school. I started babysitting at 13, working in retail and McDonalds at 16, and paid my own way through a demanding college with a combinations of scholarships, loans, and jobs. My parents made it clear they never were going to help me financially. (They actually made a profit off of me when I was in college because they claimed me as a dependent.) I certainly learned to be responsible and independent. But, because I had no safety net, I often took the safest route financially and not necessarily the route that would make me the happiest or help me find and follow the best career for me. Sometimes a volunteer job really is the best in the short term. Sometimes taking a particular job that isn't that secure would have been the best choice if I didn't have to worry that I'd have no backup plan for paying the rent or my student loan payments if I lost the job. I have friends who make decisions all the time secure in the knowledge that, if something goes wrong, their parents will help them. It affects their job choices, their spending decisions, etc. They are willing to make riskier investments knowing that, if they lose their savings, their parents will come through with the downpayment for the house. They don't live with their parents or get financial support from their parents (currently), so they think that their parents aren't helping them, but the parents certainly are helping them in some ways. But, I do see an increasing number of young people who are not responsible or independent and do not have a good work ethic, and I do think that their parents have played a role in that. A friend's cousin just graduated from college and turned down a job because she felt she wasn't ready for a job. She just moved back home with her parents, who had just paid for an expensive college education and a very nice lifestyle. My friend wanted to smack her cousin silly. But, then again, my friend is very hard-working, worked her way through college, and has never had her family's financial support since leaving home at 18. I agree with those who say that expectations and examples play a big role in determining what kids end up doing.