I agree with some of what you say; certainly we're all born into different families and have different experiences in life.
My parents were definitely Depression era during their formative years (both were born in 1920); they were, as a result, both careful with expenditures and aggressive with investments as a result. Money was to be respected, not wasted, but also used as a tool to deliver benefits.
They were also the generation that has (arguably) benefited the most from Social Security, and also paid the most in, as well. My parents both retired very comfortably by the time they were sixty, and I'm working on following their example! :)
So did my folks retired very well with savings and my dad earn good money but that did not prepare me!
I was raised in fear and no hope I was dylexic and my mother thought I was backward she had no clude what dyslexic was in those days just her impatience and trashing me until I left!
I was adoptived and she hated my bio mother!
BTW she is still a democrat