<p>curious14, Thanks for starting this thread! As you can see, it has generated quite a bit of good discussion and sharing. One more piece of advice that I received from a parent last year: Get your DS/DD an “emergency” credit card - that is, a credit card that s/he can use in case of an emergency that is not a debit card. This can come in especially handy if your DS/DD gets stranded somewhere - like missing a connecting flight and having to find a hotel in an airport.</p>