My grandparents settled in Wainwright, Alberta in 1915. They saw the peak of the wheat boom, then the crash, then the Depression. It was a life filled with chores. You learn the value of money if you don’t have much. I got my first credit card at 18 and bought a $500 stereo, then Dad explained compound interest to me. “Have fun paying it off,” he said. It was a $500 lesson. Dad wouldn’t turn the heater on in the car because he thought it cost. My brother needed transportation so he saved up for a Toyota Echo and paid cash. In 2003 I bought a home in Edmonton and the mortgage officer told me, “You can afford twice what you’re putting down.” I replied, “But I don’t need it.”