I have 3 kids with jobs. They get paid on Friday - broke by Monday. Over different periods of time I have let them do what they want with their money or forced them to bank half of the paycheck. The results are the same - broke before the next check. Whoever has money left in several days ends up being the banker to the other two till all three are broke and they all hit me up for a loan. They run out of money and have their phones shut off, then suffer withdrawal like a bunch of crack heads. I point out the money they made YTD and ask where it is and they look at me like I have 2 heads. "Why are you asking me that?"