Reading the page above it is clear how varied our experiences are, yet how we share our desire to give a better life to our children than the one we had. There is a strong element of concern about the problems of today's world and how difficult it is for young people to buy a home and raise a family. I agree totally that this is an awful worry and a burden we would never have wished upon our children. My children are old enough to have started married life and families just a few years ahead of the terrible money constrictions, with the exception of University fees.
It is very clear that the hardships either we or our children have suffered are the greatest influence on how we feel in our relationship between the generations. Like Westiegran I am in a wheelchair, I do like her advice. GabriellaG has a family of which she is justifiably proud, I would agree that "It's down to luck" and I agree that money management does help, but my life was dire and I worked and worked and never squandered a penny, yet was married to a man who was simply cruel and kept us in poverty as a means of control. So, sometimes even money is out of your control when you are married. I did obtain a Legal Separation, but that did not really help the children, either way it was not good news.
So when you advise people to take a holiday, or say how good it is to be free of a mortgage and have no debts now you are retired, please remember, not everyone's life has been the same as yours. I have had to try and make some adaptations in my house for my wheelchair, for example. The builder took the money and didn't do the work. But he damaged the house. Trading Standards say I have to take him to court. I have no money to do that. My children do not understand. You see? Life is not the same for us all.