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

growing up borderline poor will help you big time. We never went on vacation and lived in a very modest house. My grandparents saved a lot and spent little. They would only buy stuff including cars if they had the cash saved up for it.

My wife and I were both fortunate to graduate debt free. We both lived at home with out parents during college and had part time jobs. It makes me sick to see these college kids with brand new cars and luxury apartments. They will be paying those loans back for years to come.

We both have newer cars but other than the house and cars, we have no debt. I do buy toys from time to time but it is with cash money I have saved up. I've flipped a few vehicles on the side for some play money. my wife stays home for now with the kids until they are older. We survive on one income and we don't have a lot left over but we have fun with our kids. Once she gets a job we will be more comfortable.

Moral of the story is live within your means and earn to make a follow a budget.