Credit or debit cards for starters are nothing short of shoppers' Novocain. Even in the age of digital purchases and virtual money we still attach a special value to dirty paper with pictures of presidents on it. Handing some of that to a cashier simply hurts more than handing over a little sliver of plastic.
Older fatherhood isn't all bad: testosterone rates drop about 1% per year as men age making them less reactive and more patient and a professionally established middle-aged man is likely to have more time and money to devote to his kids than a twenty-something who's just getting started.
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When it comes to raising civilized kids there are no hard rules but there are two things on which most parents agree: Boys are generally wilder than girls and adolescents are wilder than kids of any other age. If you've got an adolescent boy you're in the sweet spot for trouble.