Financial Intervention

We love to spoil our children and give them their heart's desire. And then they learn to talk and say, "I want". All parents then learn to say, "Maybe, if you are good, next time, and no". But still we want our children to have everything. So, now that they are independent adults, how much help is appropriate? When do parents or their children learn to live within their means and work for the things we need and want? I thought a credit card would be a mistake. My husband wanted our children to have one as a safety net. All three have had shopping sprees with out notice or a thank you when the bill came. Entitlement? Our oldest lives with in her means now and is saving for the future. Our middle child is practically independent, but pays no rent to live in our condo. Our youngest is engaged but still completely dependent and thinks nothing of using her plastic. All three hop on planes like it is taking a bike ride for the day. Spoiled? I just sound like a very bad and mean mom if I question these things which daddy freely gives. And it seems that my desires must be paid for with my own hard work. I hope the the future hubbies can handle the money bag. We have plenty of material things for the girls to choose to use. They need to save for the future or for a rainy day- heaven forbid a flood.