I’m writing an article for “U.S. News & World Report” about how one’s past affects their finances. I’m wondering if you grow up poor, how that often affect people’s spending and savings as an adult? And if you grow up rich, does that often mean you’re good or bad with money as an adult? Obviously, these are generalizations, but I’d like to hear from some psychologists or financial experts who have experience in this area and can talk about how a child’s relationship with money will often affect their relationship with money as adults.