“Or maybe it was because someone taught you about finances? People aren’t born knowing this stuff, so someone must have along the way”

Nope. Dad was a fuck up and somehow my mom managed to raise 6 kids on what he didn’t piss away on get rich quick schemes. Our family never used credit cards and I never really had a savings account growing up (I did but there wasn’t more than a few hundred in it).

I guess wearing hand me downs and toughskins with the knees patched teaches you that having the “in” clothes isn’t all that important. I never had a polo shirt until I graduated college, I never had penny loafers when they were all the rage.

I grew up lower middle class and was never really taught much about money, mostly because we never really had any.