I think if you are raised to be a saver you might be more likely to be one, but not all savers were raised to be one. My family wasn't a saving family-my father barely made enough to keep the family afloat, let alone plan for the future. So I wasn't a saver when I was younger--it is only now that I am older that I see the value of it.
For me it was the light bulb of finally understanding compounding interest and paying myself first. Something that most people aren't taught, nor ever learn.
My wife and I have vowed our daughter won't graduate high school without understanding these simple concepts.
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