<prompt> Human: Ive only been trying to contribute here for a few days and Im surprised at the amount of people offering quality advice. Its really great.Im curious, what was your aha moment that landed you on this side of the fence? Or was it more a slow change over time or perhaps your parents drilled good habits into you?Also Im not sure yet how to tell my wife that Im staying up late having fun teaching people on the other side of the world how to plan for their future...  <response>: I thought you were in the wrong subreddit :- I changed my ways when one day I had to borrow 100 from my baby brother to make it through the month. That was so auch and confronting that I thought: if he can live a fiscally responsible life, I should be able to do so, too. It took a few months to get out of the hole I was at -1500 then, and it took a few weeks at ends-of-months of eating peanut butter sandwiches only, but then I got the hang of it. 