When we were visiting my daughter, her 21 year old was home from Culinary School. It was like, "gee, mom - my girlfriend asked me out for dinner, but I don't have any money."
And, then, "gee, mom - all my high school friends are going out to celebrate a 21st birthday for one of them. All I need is $10." Since we are sending her spending money every month to use while she's at school, we didn't bite this time.
Of course, her mom did, though.
We have "old" grandkids and "little" ones. Now, we have a great-grandson, who satisfies the "baby" category. All the stages are great!