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I'd take the advice and tips to heart, only to fail again and again.

Every day, in hundreds of ways, they taught us that saving was the right thing to do.

Money was not a topic of conversation when I was growing up.

From saving on convenience fees to driving store-to-store for the best sales, my mom could stretch a dollar.

I was raised in a middle-class family that lived paycheck to paycheck. My mother’s dream for me was that I would do better financially than she and my father.