Hello Ruben,   
      
   > Just checking in to see what is on going on in this echo.  Have not been   
   > here in a while.  Anyone got advice on dealing with 20yr old daugher who   
   > keeps spending all her pay check and saves nothing?   
      
   At some point a parent has to allow their son/daughter to make their own   
   decisions. Those decisions may be either for the better or for the worse. One   
   can only hope that you as a parent have instilled in them the ability to   
   listen to those that care about them and to consider what advice they are    
   given. As an adult the actual decision needs to be theirs. I realize that this   
   isn't the advise that you were wanting to hear. I would submit that what is   
   important is that they know and believe that regardless of their decision that   
   you as a parent will be there for them if needed. Children seem to learn best   
   by doing. Regardless of the outcome of that doing process.   
      
   Just my thought on the subject.   
      
      
   Jeff   
      
      
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