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| Family Matters |
The Good Financial Parent
Lee Hausner, Ph.D
01/01/2004
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 Marcy and Clifford Halpert both understood the meaning of hard work, having grown up in working-class families in which their parents struggled for the basic necessities. Summer camp, music lessons and designer clothing were unknown, and Marcy and
Clifford held jobs throughout their high school years. During his late 20s,
Clifford—thanks to his drive and determination, in combination with engineering gifts—developed a process for strengthening steel and other metals, the first of numerous patents that would earn him considerable wealth. Marcy and Clifford were determined that their children would never have to experience any of the deprivation that loomed throughout their childhoods, and so they eagerly provided every luxury possible for Mark, Nancy and Billy. Now, however, they are disappointed as they watch these young adults struggle to lead productive lives. Both Mark and Billy have experienced serious substance abuse problems for several years, and Nancy, 26, who never seemed to enjoy school, still lives at home. Confused, Marcy and Clifford often find themselves asking, "What did we do wrong?"
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