[erispoe]

Why do you even put money in the equation? Raising kids is not about paying for stuff. Nor is paying for stuff what defines your relationship with them. Whether you're paying for stuff or not has little to do with how you're trying to raise them as responsible, trustworthy individuals.

If you don't put children in situations to experiment and earn your trust, they will never learn.

And yes parents worry, that's normal. If you lose sleep over your kid being out having fun with friends, it's perfectly ok. It's feature of raising kids, not a bug.