My kids have almost zero savings. That has been fine with us, as they both work very hard, but much of it had been unpaid volunteering or research opportunities.D finally took a job after she finished her college apps.
None. They weren’t lazy -there just weren’t that many job opportunities and transportation was an issue
DD16 had about $6K saved from babysitting, music gigs, birthday/Christmas money/ summer camp job. We don’t qualify for FA so this had no impact on college cost. She uses this money for her own personal expenses (entertainment/gifts/food not on the meal plan). I still have access to her bank account and she’s used less than $200 this semester. DS18 will likely have a bit less but he’s frugal too so I’m not worried.