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In this 2009 photo, Kevin McLaughlin's then-8-year-old daughter Chloe (center) and her friend Caleigh Everitt, 9, count some of the allowance money Chloe keeps in different envelopes at the McLaughlin home in Pine Beach, N.J. One envelope is for spending, one for savings and one is for giving. (Associated Press)

In this 2009 photo, Kevin McLaughlin's then-8-year-old daughter Chloe (center) and her friend Caleigh Everitt, 9, count some of the allowance money Chloe keeps in different envelopes at the McLaughlin home in Pine Beach, N.J. One envelope is for spending, one for savings and one is for giving. (Associated Press)

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