Children will learn the value of money when they start working and are no longer dependent on their parents.

当孩子开始工作，不再依靠父母时，就会知道金钱的价值了。

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Perhaps you bought it to provide for young children in case you died prematurely, but now those children are grown and no longer dependent on your income.

WSJ: Turn Life Insurance Into an Investment

They avoid the expenses associated with work and dependent children, have mostly paid off the mortgage on their house and no longer need to save for their retirement.

ECONOMIST: Falling short