There's a sort of parenting tactic called "Love & Logic" that we try to practice as much as we can with our children. It's all about natural consequences. This is what it says on their website:
Children learn the best lessons when they're given a task and allowed to make their own choices (and fail) when the cost of failure is still small. Children's failures must be coupled with love and empathy from their parents.
I like this particular approach because I'm never the bad guy. I don't spank, I don't impose many parent-initiated consequences that cause resentment. The kids learn personal responsibility and independence. And I get to be empathetic instead of mad. It works out pretty well.
And it even works with husbands.
I adore Mr. Kitt - I think he's the cat's meow. He's brilliant, insightful, kind, generous... I am a very blessed woman, and I know it. :) But he is, of course, human... and not without his faults. One of them is organization and resource management. The good news is, I'm fantastic at those things. I can balance a budget on the tip of one finger. I'm telling you, I'd give Hillary a run for her money!
But that also means Mr. Kitt has, over the years, come to depend on me to do those things. Which, after a while, becomes tedious. And frankly, I think a forty year old man should be able to keep track of a check register, don't you? So, two years ago, I gave up the finances. I handed them over and feigned frustration. I can't do this anymore, I said. You handle it.
Then, I applied love and logic. Because frankly, Mr. Kitt's parents never did. They are very generous with their money - to a fault. All Mr. Kitt has to do is hold out his hand, and things are put into it. And I don't mean $20 here or there. I mean things like cars, college educations. You name it. Well, he names it - they provide it. Which gave Mr. Kitt a sense that the world will always provide, money is always available, an unlimited resource. Consequently, he burns money like George W. Bush burns fossil fuels.
All of this I knew when I handed over the finances. I understood I'd have some issues to deal with. The major difference between love and logic with a child and love and logic with an adult is the consequences. They are much bigger when you're dealing with an adult. Which is why it makes sense to teach this sort of thing to children long before they have major consequences to face. But sometimes adults get to this point, and they haven't learned this lesson in some areas of their lives. (I know I'm lacking in a few myself...) You see this issue a lot with addicts, and it's part of where the "tough love" idea came from. You stop enabling someone, and then you let them pay the consequences.