Judging by your smart comments and saving tips, Savvy readers are a seriously budget-conscious and financially shrewd bunch. But I’m guessing that wasn’t always the case; who doesn’t remember being lectured about money trees (they don’t exist, ICYDK), or blowing your first Summer job paycheck on frivolous things? At some point we all had to learn the value of a dollar, whether we listened to an older, wiser parent, or figured it out the hard way. So, how’d it happen for you?
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