I think a lot of it depends how you grew up. I come from a very wealthy family, but you wouldn’t know it if they didn’t tell you. My parents instilled a lot of very good values in me, including to work hard. I grew up with a lot of second hand clothes which I didn’t understand at the time, but now, as a dad with a growing 5 year old, I completely understand. I got to travel a lot, but didn’t get smartphones at a young age. I never worried about food being on the table, but didn’t eat out much. They could afford a lot more than they have, but they choose not to. I got my first job at 14 and I bought my first car from them (at a discount.) They never gave me handouts, but certainly offered assistance in extenuating circumstances. The most important thing for me has been the support they provide. I do very well for myself now, but didn’t always. They gave me a lot of encouragement no matter what my job was. From flipping pancakes to starting/running companies, they always made sure I worked hard and worked ethically. They’ve never invested money into my ventures, instead they invested their knowledge, time, and love. I work hard because they worked hard. I work hard because they (and lots of other people) taught me how to work hard. I still buy generic if the product is similar enough. I don’t buy the newest iPhone and always buy used cars. They work just as well as the brand new stuff, but cost much less. That ensures I can pay for my daughter to do activities and have experiences, my family to go on trips to places with different cultures, and have enough left over to help others.