In fact, within the Tang Family's Silver Tower, their young Masters could simply charge their purchases to the account.
If they had the approval of their elders, even if the young ones bought gifts for others, it would just be a matter of noting it in the monthly ledger.
The products made in their own factory could be a bit cheaper for family members.
The people of the Tang Family certainly weren't lacking money to buy jewelry; indeed, the real challenge was to encounter someone truly willing to keep track of their expenses, a feat not commonly attainable by the average family, let alone preserving the children's private money.
As a young Master and direct descendant, Tang Shunyan naturally had plenty of personal funds. However, in recent years, he had been very generous with his monthly salary and pocket money, spending a significant amount on gifts for others.
Perhaps knowing his excessive generosity in buying gifts, his mother nagged him all day long.