No LBYM moment for me either. Both my parents were frugal and I learned the art of delayed gratification from an early age. I was given an allowance every week (we called it "pocket money" when I was growing up in England) and part of my allowance went straight into the piggy bank. The piggy bank in question was actually one provided by the local
Building Society and when it filled up, we took it to the local branch to deposit the contents in my savings account - which I wasn't allowed access to until I reached 18.
However, I didn't learn the LBYM lesson perfectly. By the time I was in my mid-teens, I had figured out how to use a knife to retrieve coins from the piggy bank so that I could afford to buy more records, and at the age of 19 when I had full access to the account, I closed the account down and used the entire contents to fund a month-long trip to Greece with my girlfriend.
When growing up, it was never really specified to me what the purpose of saving all that money was - it was just something I was supposed to do. For a while after raiding the piggy bank to buy records, and then using the remainder of the account for my Greek holiday, I felt rather bad for having done so. In retrospect though, it was good practice for later life because it did get the idea into my head that if I saved part of my income, I'd have the money for a rainy day (or in that particular case, records and a trip to Greece!)
I didn't save again until my late 20's, when I opened an IRA with my local bank. I didn't really know what it was, put all my contributions into a money market fund and had no idea why the balance wasn't growing over time. I wised up fairly soon though
And that trip to Greece was money really well spent. We took a bus from London to Athens, then a 24-hour ferry to the island of Kos, where we camped on the beach for 3 weeks. Amazingly, a bunch of other Brits pitched their tents near us - and we thought we were so far from home! I still have the pictures of our group drunk on Ouzo, moon-shining the camera, as well as pictures and great memories of our time exploring the Acropolis and the various ruins on our particular island. I looked an awful lot better in a tan wearing Speedos than I do now......
Oh, was this thread supposed to be about LBYM? Sorry about that