What you are taught about money and how to utilize it affects what you will do with your money. If you are taught the correct ways to use your money and how to manage it you are better off. My mom learned most of her money skills from her parents. They gave her a foundation for money management. She could take these skills and use them to her own advantage. She also took accounting classes in high school which helped too. She says that she should have used more of what she was taught and put it into her own life. The principals of money management stay the same but from the time my mom was growing up to now technology has made a huge impact on how we manage money today. You also have more options and opportunity to make money. Technology, like computer programs for tracking your money or making projections was not available to her growing up. This generation learning it now.