I wasn't really taught to be financially responsible either. I'm just naturally stingy. Granted I'll splurge on big ticket items but most of the time I'm trying to cut costs. For instance, when I travel I stay at campgrounds instead of hotels. Helluva lot cheaper.
Cutting costs and being frugal are good things. In today’s world people view that as a negative. It is how we were able to survive harsh times!