Children don't learn anything about fncniae in school but they are very bright people who understand math and can figure out interest and they are both very aware of current affairs and that means they know about fiscal cliffs and economic unrest in Greece and other things people need to know to make decisions.  They always had to earn their own pocket money when they were very young and are both hard workers.  The younger has some saved to go to school out of town but no where near enough to pay his tuition or his rent.  He will have to figure the rest out on his own.    I am not sure you can tell your children anything.  They have always been allowed to make their own decisions even if they are bad ones. They are good decent human beings and lots of women think having either of them as a son-in-law would be a wonderful thing.  I am hopeful that they will get the money thing straightened out and they do as well with that as they do with the successes in the rest of their lives.