I think you are right. An allowance meeting is critical. We don’t do allowance. My kids collect coins and cash where they can. But, we don’t give them any “allowance” and definitely not a debit card. They are still young though, not driving around on their own. But, if they need something, I’ll pay for it. But, we are always talking about money, finance, savings. They see us doing our budget. They hear us talking about saving, buying, etc. I think that’s what’s important. At least for us. I think then knowing it’s my money, and not theirs, but I freely give it to them also helps them understand family snd generosity better. Not saying don’t do allowance. But, I’ve seen it done where it just creates entitledness instead of thankfulness.