My dad, Dave Ramsey, filed for bankruptcy the year I was born. My older sister was about three. So, with a brand-new baby, a toddler, and as dad says all the time, “a marriage hanging by a thread,” things hit rock bottom. Hard. It took them a good five years to climb out of that hole—right around the same time of my earliest memories. Because of my parents’ hard work after that soul-crushing bankruptcy, I was able to learn firsthand the value of managing money well. I learned that my income is my biggest wealth-building tool, so I never took on any debt—and I never will. I don’t say that to pat myself on the back, but to show you what a big impact our parents can have on our money outlook. How you grew up, and the environment you were raised in, shaped your money beliefs and your habits with money …