Growing up, my parents had extended periods of unemployment. We could have been better off financially, but we always had a home in my grandfather’s house, and never went hungry. The worst I suffered was the embarrassment of wearing my sister’s old clothes to school. Kids can be mean, especially to a smart ass wearing bad girl’s clothes – my sister didn’t exactly get to pick them either. While the 8 year-old me was pretty miserable, now I appreciate having learned the importance of money early in life.