I love the kinds of conversations you are having with small steps. She would be able to spend and save money. She will be financially wise and educated... and I'm also glad that you are not telling her the difficult part of it yet. When the time comes, she would know but she must have been having some ideas about them...
That's a good training
I am hoping that she will be educated in the right things - but it is hard to say at this point whether she will apply them well. Fingers crossed :)