No one prefers a broke brother. The road to long-term wealth and financial health is paved with the ideas he is forming about the value of a dollar right now. It’s surprising how much cash children get from friends, family and sometimes perfect strangers, only to blow it all on candy and chips at the corner bodega. It may be too early to be thinking about his retirement but not saving a lil’ something for a rainy day. Short-term savings goals are effective and fun. If he want’s an Xbox kinect, hold out until he can hold on to half the cost then you can put in the other half.