When I recently saw the headline: “Money Habits Established by Age 7” on PBS, I was astounded! Could we really be that set in our ways by seven? But then I thought back to my earliest saving habits and I could pretty much believe this. While my older brother could never hold on to money for any length of time, and my big sister also struggled with high finance, I was a born saver from way back.

I can even prove it:

We took a family trip to Disneyland the summer of 1967 and wouldn’t you know, I documented every penny I spent on that trip. I was twelve years old! I started out with a little over $15.00 which sounds like nothing, but this was back when postcards were a nickel and rides at Knott’s Berry Farm were 35 cents. I ended up with a dollar left. I also had a savings account by then. I loved to watch my money grow, while my siblings didn’t. I’ve always wondered why.

I read an article yesterday that predicted that the oldest sibling would be best at finances and the youngest fairly bad at saving. Nope, that’s not how it worked in our family. How about yours? Where does the desire to save money come from? Why do so many boomers have nothing extra saved for retirement, while some of us saved like crazy starting at age 20? That is a mystery to me!