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My brother and I both -- who are genetically unrelated to my mom -- turned out to be wasteful spenders. Making up for lost time syndrome, I guess. I'm kind of like the guy who grew up hungry and nowadays heads to the buffet every night, LOL.
I'd rather work three jobs and spend it on mezzanine tickets at Safeco and buy concessions wontonly, than work one job and have meatloaf at home.
Which causes me personally to sympathize with the idea that genes perhaps have more to do with indulgence-vs-conscientiousness than childhood environment. But maybe not.