So in addition to the four criteria identified above, I assembled a list of values and virtues and character traits that come closest to defining the opposite of spoiled, ones that collectively add up to the kind of grounded, decent young adults that every parent hopes to send out into the world. And as I stared at the word cloud I’d created, I realized that every last one of those attributes—from generosity and curiosity to patience and perseverance—could be taught using money.