Book excerpt: Dump the allowance-and use a new "Family Economy" to raise responsible children in an age of instant gratification. Number-one New York Times bestselling authors Richard and Linda Eyre, have spent the last twenty-five years helping parents nurture strong, healthy families. Now they've synthesized their vast experience in an essential blueprint to instilling children with a sense of ownership, responsibility, and self-sufficiency. At the heart of their plan is the "Family Economy" complete with a family bank, checkbooks for kids, and a system of initiative-building responsibilities that teaches kids to earn money for the things they want. The motivation carries over to ownership of their own decisions, values, and goals. Anecdotal, time-tested, and gently humorous, The Entitlement Trap challenges some of the sacred cows of parenting and replaces them with values that will save kids (and their parents) from a lifetime of dependence and disabling debt.