I consider myself dang lucky. My parents taught me at an early age to save save save and as I grew older I learned the ins and outs of the stock market.
Starting when I was 14 my parents gave me some money to invest at birthdays and christmases. And we'd together go over the stock market and pick some out and I'd buy them. I had to do my research and write out why I chose the stock.
When I graduated college I had a portfolio worth over 50,000. I also had 88 savings bonds since along with a toy my grandparents gave me a savings bond for my birthday and christmas every year. 22 x 2 from each grandparent twice a year is 88.
I have always had a good portfolio and invested wisely. I also have learned to save.
Because of this I can be a stay at home mom right now. We're living on my husband's income but we have the fallback provided by my investments and our savings if something happens.
I think teaching kids about money is very important. No matter what kind of financial situation you are.