Growing up in a working-class family, money was always tight. We had to be resourceful and make do with what we had. My parents instilled in me the importance of saving and budgeting. They taught me the value of a dollar. My father, a carpenter, would often say, “A penny saved is a penny earned.” This simple phrase became a mantra for me. **How did your upbringing influence your relationship with money?**

My upbringing in a working-class family instilled in me a deep understanding of the value of money.

The author describes their experience with financial worries during lockdown. They were working full-time before lockdown, had a mortgage approval, and were planning to buy an apartment. When lockdown hit, their work hours were reduced, and their mortgage approval was revoked.

The author recounts a personal anecdote about buying a horse at the age of 19. This purchase was a significant financial commitment, as the author had to spend all their savings on the horse. Despite the expense, the author expresses their unwavering love for horses and doesn’t regret the decision.

The text is a personal anecdote about the author’s financial experiences and career choices. The author shares their experiences with using a Revolut account for travel expenses and their past financial mistakes. They also discuss their worst-ever job, which was a student ambassador role.