I think I figured it out

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The way an adult handles money may very well be if and how you teach them with it. my 3 oldest seem to know how you must pay bills first, and tighten the belt as they say if you need to save for something you want or even if something essential is needed. Growing up, those 3 had to learn to get by on not much. We would go grocery shopping and of course they would ask for things and more often then not I would have to say "No we can't afford it." It didn't bother me either if someone heard me say so. Which embarrassed my oldest daughter as she got older. She still blames me for that, even though I had 3 small children, including her at the time and her dad was lazy, didn't work much and when he did it went for drink. So now that they are grown those 3 know how to handle money. The 2 youngest know you have to work for it but when they were little, I worked and when I could (even to the point of doing without myself) I gave them almost everything or managed to make their fathers. So, they work, but when they get paid they don't do without. Spend all they got on things they want without regards to things they need, therefor being in debt always and no money for needs sometimes. What do you think? photo is of my oldest and youngest at 14yrs and I think maybe 2 yrs.