<prompt> Human: Anyone reading this sub is at least thinking about financial responsibility, and many here really have their shit together. What is your best guess as to where this quality in you comes from?  <response>: A single source, but a really really strong inspiration to me - my dad. He was raised dirt poor, like using-his-shoes-laces-as-his-backpack-for-school poor. My grandpa was a total miser, and my dad definitely suffered from that. ie: A toothbrush was considered too expensive and unnecessary. My dad however taught me spending is ok, but having no debt is key. He NEVER bought anything on credit besides a house. Hell, he and my mom paid off their first house within 3 years. Hes a very frugal person, but hes ok with spending more sometimes, its all about having priorities at the right place. As for knowing what the right priorities are, its just where your heart is. For him, it was about his 2 sons graduating from school debt free. He is now 62, retired at 45 after working HARD AS FUCK all of his life went from earning 1day selling fruits in the 60s to homicide investigator, built his own house and paid it off in 3 years, then built an apartment building, then built others, then build other houses and so on and I have the utmost respect for him. Today, my brother and I both have successful professional careers, debt free. Its pretty fucking hard to think about buying something dumb without having a thought for my dad and what he went through for that to happen. Thats how Im financially responsible. 