<prompt> Human: Hi guysI just wanted to share a story from my life.I grew up in a working class family. Saving money and making the best out of what I have was ingrained in my DNA from day one. Thats what Im really thankful for. The problem was because my parents never had much money, they never learned how to invest and didnt want to. They were always afraid of losing money and told me its gambling like a casino. As a kid you believe your parents.When I became an adult and had to deal with insurances for the first time I saw many things they set up for me that were just simply wrong and overpaid. From that moment I learned that my parents and adults in general dont have all the answers. It was hard to stand up to them and disagree with them but it made me a stronger person eventually. I learned to stick to my guns.So when I worked a few years and had saved quite a bit of money I looked out for information how I should manage it to make the best out of it. I suddenly realized all my friends and family have no clue about that stuff. So I started gathering information and learning about personal finance and investing. Im so thankful that the internet and communities like rpersonalfinance exists. It opened up many possibilites and Im still learning every day something new. And with all that information Im in a much better place now financially than I would have without it.Why I post this now? My father died few months ago and now I try teach my family about how to manage finances and the inheritance. Im the youngest one... Its ironic isnt it? They realized that Im one of the few who have a clue about how to not be broke.TL;DR: So my advice is trust your gut and dont listen to people who themselves have never been financially in a better place than yourself.  <response>: Everyone grows up in a particular money culture. Theres almost always something to overcome there when you get to making your own decisions.My father was terrible with money and after he died my mom had a completely terrified, rigidly negative attitude toward credit cards and debt -- so I never had any backgrounding about how to use those tools for good. I went to college with some kids of affluent people who had no idea how to pay their bills; their families just covered everything -- so they carried a different kind of stupid behavior into adulthood.You have to figure things out for yourself. Even on Reddit PF, no one persons word is gospel; weigh everything. 