Our daughter, who just turned 20, craves independence. I'll be helping her via paying part of her rent when she moves out soon. She hasn't really started college, but plans to, so I'll pay for that like I paid $120K for our son's. Our son is mostly independent, lives on his own in Ohio, and is embarking on law school which will cost $80k/year mostly borrowed. I'll keep paying his phone, letting him purchase clothes via our Amazon account, and will likely send him checks for $300-$500ish here and there for a more exact accounting. We hope that law school pays off for him, but that will be years from now. Also, Denver is crazy freakin' expensive!