Even among people who seem financially stable, I've been surprised how many of my peers spend money as soon as they see it and have never had more than $X000 at

Even among people who seem financially stable, I've been surprised how many of my peers spend money as soon as they see it and have never had more than $X000 at the same time ever. The lesson of delayed gratification is actually a pretty big factor in being able to save up money as an adult.