When we were kids at school each child in the class got a post office savings book and would put in around 50 cents a week/biweekly , so we were conditioned to save from a young age , later Hire purchase/ credit cards came out which was an opposite ethos which conditioned people to spend , made utopia seemed instant , but there was a price to pay later ............
Personally I had saved $20K by the age of 21 , and then was able to use that equity to borrow $120k for dairy cows which in theory would have set me up "for life" but I lost most of it in a bad decision when I was 31 and had to start again - but that is life
