Very important and valid points. I must saying basic money management came from my mom, she has always been the one who managed the budget and who got savings for vacations. My dad on the other hand he is pretty much the one who will lend you money if you need, he will not hesitate to buy you something and maybe the one with more money related issues, he just doesn't care about money. In fact yesterday we were talking and he was telling me all this stuff that he feels so proud we are doing good and everything about work, he taught me that you can be happy no matter what and that you should not stick to money and investing money and time to raise kids and family is the most important thing in his life and he is really happy that he can see how it has worked out.