Say Ramu grew up in a lower middle class family. Never received any financial education. Somehow, he managed to grow up into a healthy adult and made good choices in life. Ramu is financially very secure and can provide a very good upbringing to his kids. However it bothers Ramu that his children will grow up in a foreign country (to India) as very privileged children and may not appreciate the value of hard work and money. Without wanting to deny his kids of simple joys that Ramu missed out on, how exactly can Ramu bring up his kids to appreciate money and its value. Any specific examples ? Friendship and its value. Relationships and their value? How can Ramu inculcate the value of choosing good over bad (and firstly to even indentify good or bad)? Whats a healthy way to educate kids about money ? With easy access to drugs and sex how can Ramu teach his children to make wise choices ? Too many questions, but they just show Ramus despondency. Ramu understand kids emulate behavior and can try and be a model dad but has doubts if life will provide such opportunities in foreign land where he can act and teach his children thusly. I understand not many on this forum have yet seen their kids turn into healthy adults, but I am hopeful many have pondered over this and am very keen to hear all the views.