My mother and father were 8 and 10 years old in 1930 when the great depression hit hard. They were old enough to know hunger and doing without because of the depression. My mother and father put in large gardens so they could eat. They just didn't have money to go to the store. Both had chickens. My mom's mom was a widow when my mom was about 1 year old and she never remarried. She took in boarders to make ends meet.
My mom and dad went through so much poverty, they became savers and investors. Welfare was when you took your neighbor produce from your garden because they were hungry.
My mom and dad gave my brother and I 10 cents per week for washing dishes. (To this day I hate washing dishes, but ir made me get an education so I wouldn't have to wash dishes for a living.) I cannot remember having any money to spend. My dad insisted my brother and I save 50% of what we earned. So for doing a week's worth of dishes I got to spend a nickle. In those days, finding a penny on the sidewalk was unusual.
My mom taught me a very valuable skill. She taught me how to bargain shop. I can remember going with her to a butcher shop where she would buy chicken backs for 2 and a half cents a pound. She would ask the butcher if he had any bones for the dog. He usually did. I can remember to this day, the butcher gave her a bare bone. She told him that our dog would starve on the amount of meat and fat left on the bone. He smiled and gave her a different bone with some fat and meat on it. She thanked him very much. We had the chicken backs for dinner. Mom took the bone and put it in a pot of water and boiled it until the meat and fat fell off the bone. She would cut up the meat and fat and add vegetables to that and we'd have soup.
I'm a saver too. My brother was brought up with me and he was a spender. He never saved a thing. He died in poverty.
I saved enough to pay off my home and both my cars so I was free and clear of debt. Until my kids started leaving home to get married I was within $50 per month of being elegible for some form of government assistance. I never even applied. That should tell you I was was frugal and how easy it is to qualify for welfare if I was able to buy and pay for a home on income that was elegible for welfare. My goal was to save 10% of my income. I couldn't do that when I got my first full time job. But when I got a raise, we saved that. When I got enough raises, I saved the 10%. Had my mom taught me how to invest wisely I would be very well off today. (My mom knew how to invest wisely. But when she was brought up, adults didn't share family finances with their children.)
I paid my kids a small amount for doing chores and extra work. Why pay them? Because I couldn't teach my kids to manage money if they had no money to manage. 5 of my children watch their money and are savers. 1 child is married to a man that has a real good job and she spends money foolishly. 2 of my kids don't manage their money at all. They live from paycheck to paycheck and married people that are the same way. I've tried to teach them, but they aren't interested.
Knowing how to be spend and save wisely and live within your means is one of the greatest gifts you can give your children. President Johnson gave us welfare. He did more to destroy the family than anyone else in history.
Good luck to you and yours.