Joanna Fortune: My teenager has a summer job but refuses to save for college 

"Your daughter is not an adult. She is at a stage of development that leaves her more oriented to thrill-seeking, reward-driven, impulsive decision-making that provides instant gratification. College life is a world away as far as she is concerned."

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My 16-year-old daughter got a summer job working in a local deli. She loves the work and the independence. I suggested she start a savings fund for college but she says it's her parents' responsibility to pay for her third-level education. I explained that we're on a limited budget and that paying her fees and accommodation will be a big stretch, but she just shrugged. In the meantime, she's busy ordering clothes and makeup online, which I find hard to accept. Am I being unreasonable? 

I don’t think you are being unreasonable, though neither is your daughter. Let me explain what I mean. Your suggestion that she save some of her earnings towards college or planning for her future is sensible, mature, and balanced. It is informed by the benefits of your adult perspective and highly developed impulse control.