My parents were both working class and lived frugally, I always saved most of my pocket money and any that came my way for birthdays but didn't need anyone to tell me to do so. I suppose that because we didn't have much in the way of life's luxuries it taught me the value of money, I had a small debt when I graduated which I cleared as soon as I could after I started work. Imagine my surprise when my mom passed and I discovered they had a substantial sum in savings, some of which was in a current account paying f'all.....

Wife is the polar opposite, middle class background, less picky than me in discerning needs from wants, has less hang-ups about debt whereas I'd prefer to have none at all. That said, our holidays are modest and we don't go out much so could be worse.

My 14-year old daughter has started a candle making business and has a very healthy bank balance which she doesn't spend much of, she's great at picking out stylish clothes from lower end shops. 17-yr old son made a fair bit from Crypto in 2021 and still has most of it, hasn't really discovered the finer things in life - yet!