conversation: User (anonbonbon): "I see a lot of 20ish year olds here talking about their net worth, their financial plans, how they're already saving - and I wonder, how did you learn that? I had just about the opposite upbringing, and am just now, at 31, getting my financial life in order. I have children, and I'd like to do differently for them. I wonder, how did you learn this stuff? Did you just stumble onto r/personalfinance at an early age, or did your parents teach you? I'd love to raise my daughter better than I was raised about this stuff."
  Self: "My parents were always broke and had terrible money management, i saw them struggle and I am doing my best not to fall into their mistakes. So far so good!"
  RedEyeCodeBlue (RedEyeCodeBlue): "Came to say this. My mom is terrible with money and never planned anything. So whenever we had an emergency it was always a scramble to find the cash. I keep a good emergence fund now. I will also help my kids with college in some form or any another. I couldn't even get a co signer for my loans due to bad credit.  "
  biker101 (biker101): "Dont ever co-sign on your kids loans.  That is a horrible idea.  \nMake them get Fafsa grants and loans.  If they cant get those then they need to work and do community college.  \n\nAll you should do as a parent is give them free room and board which has at least a $10K value in savings.  That would be huge for your kid to save them that much money.  "
  