All of the things you guys are discussing are written about in this book "The Millionaire Next Door". It's a great read and available here at the link below in pdf for free. The discussion of parents money and kids is a pretty big portion of the book.
http://davidbeitler.com/temp/The%20Millionaire%20Next%20Door%20%5BBook%5D-MANTESH.PDF.pdf
The millionaire mind is a good one too. Written by the same two researchers.
