re: Those of you with good money habits - How were those taught or learned?

I was raised very well but not really taught specifics to managing money. My dad owned his own business that did well at times and struggled at times. I saw how he and my mom adjusted our life to live within our means. He also took me to investing and business seminars as a kid. I was under the age of 13 going to these conventions with my dad and I think it just allowed me to observe business and cash flow. Right out of college I listened to a guy on the radio that talked about budgeting. I started using excel to build a budget. Right before I got married I had my wife start using the same budget and then we combined them. About a year into marriage and about 25 yrs old I read Dave Ramsey's book and she did also. We were lucky. We started managing our money really well at a very young age. We always plan for the year ahead each year.