I'm confused here...what the heck is the responsibility of a parent nowadays?...my grandma told me to save for a rainy day....I watched my parents pay off all their loans quickly...never lived outside their means...retired mid fifties....I advised the kids....we chat....retired now....hmmm cant put the load of parenting onto the educational system....what next....in house babysitting too....lot more to being a parent then just a roll in the hay and oops...now what?