If you all never do anything for your kids -- the one thing you should talk to them about is MONEY... Saving - investing - balance the "I wants" with the need to invest... and later have a great case of the "I gets".
Like somebody once told me -- you wouldn't wait unit their wedding night to discuss sex for the first time would you? So showing them that when they get $50 from Grandma for Xmas/Birthday -- saving HALF of it -- and blowing the other half if okay -- but you have to stress the saving is not for spending later on some other "I want". Push this idea when they're 10 or 12 --- and when they're 18 they're going to have some real money.
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