Being willing to delay pleasure for a greater result is a sign of maturity.
Teaching kids about money is never just about money.
You can't be in debt and win. It doesn't work.
One definition of maturity is learning to delay pleasure.
What I have done is packaged the time-honored information into a process that is doable and has inspired millions to act on it.
When I do something stupid with money and lose it....I call that Stupid Tax. I have paid so much Stupid Tax that I am expert.