<p>Doesn't have to be the kid's either. In my opinion, SHOULD be the kids, and that has been how we have done it. But sometimes the kids decision makes no sense; is unaffordable, or the parents just do not want to invest THEIR money it it. You are taking a risk when you do not let the kids make the decision, as that can be an important factor in things working out, and you will get the blame and that becomes a whipping boy if things go awry, but there are kids out there who have lived out their parents' choices just fine, and many who have bombed in their own choices.</p>