RE: Getting into dirty money
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The difference between a kid raised in an environment that increases financial knowhow or not, can be quite profound on life later.
If you have parents that openly discussed and practiced good money habits then this is a HUGE advantage, even if you don't inherit money from them. The knowledge you accumulate from consistent conversations at the dinner table can be life changing.
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Even when young, I wished my parents were better with money - or at least, better at building the knowledge around it.