My father was big on saving, but my mother wasn't. My father opened a savings account for me when I was eight years old and tried to teach me the value of not spending everything you get.
I distinctly remember a moment in high school when I really wanted to purchase something, but didn't have any cash. My mother reminded me of my savings account, saying that the money was there to be spent if I needed it.
Now that I think about, her advice wasn't all that bad. I mean, if I REALLY needed the money it was there. My interpretation of her advice is what got me in trouble. I began to rationalize my wants into needs and ten years of savings was gone in no time. As a result, at 35, I'm just now able to hang onto a little money in my savings.
Looking back, I suppose I knew what she meant, but I was looking for any excuse to spend money.