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In episode 242 we talk about the financial environment children are raised in and how that can affect them in the future.

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Article: https://www.marketwatch.com/story/i-have-been-propping-her-up-for-15-years-my-niece-35-is-horrible-with-money-how-can-i-help-her-become-financially-responsible-298df05d?mod=the-moneyist

Study: https://mascdn.azureedge.net/cms/the-money-advice-service-habit-formation-and-learning-in-young-children-may2013.pdf

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