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It's good to know that your "risk" paid off. It's a well established fact that the teenage brain is not fully developed and decison making and planning are not fully matured. You have given your daughter a great gift.
Yes, it is very difficult to raise a family in tough financial conditions. What makes it really tough is a consumer culture that preys on families.
So sorry for your loss, she sounds like she was a remarkable lady. You make some excellent points in regards to growing up. Looks like your children were blessed to have the two of you for parents.
Thanks Bruce and thanks for the opportunity to share some of what I have learned. It is an excellent question and there is valuable information in each of the answers by these fellow hubbers.
This is doubly challenging if a child has two different examples in their parents. One is strict, the other permissive...very confusing for a child. Setting a good example is critical because it lends credibility to the parent.
Teens of any generation have always needed structure, routine, boundaries, love and respect. The problem is that some of us emphasize structure and routine over love and respect. Teens want to know that they matter,are heard, and have a voice.