The newly minted multimillionaires of the Internet gold rush want more from their financial advisers than just estate planning — they want help in preventing wealth from corrupting their children's values. In the last two years, Merrill Lynch & Co. Inc. has seen growing demand for 'financial parenting' services that help with the problems some families face in dealing with sudden wealth.

The soothing balm of a trust fund is no longer seen as enough to ward off the terrible effects of a bout of big bucks. Lessons in "financial parenting" is a way, they are told, to learn how to inoculate their offspring against lethargy and indulgence.

We can create stories for our children whenver life and the opportunity to do some _financial parenting_ give us a "pencil and paper."