If you are younger than 40, some of this history may be news to you.

Many of my friends’ folks were children of the depression.  They grew up in an economy in ruins, one where it was not clear from where the next dollar would come or what would be on the table for supper.   That experience made many of these folks husband their cash, to preserve what they had for a rainy day.  And, these parents wanted their kids to learn skills that would carry them through economic downturns and prosperity.

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