We grew up in a large home (shop house) but in squalid condition, i.e. rats, snakes, bats, and large rodent-like animal with a mouth/beak that resembled a saw, were regular sightings within the home. My father would set up traps for rats and then drowned them. The home was also had cockroaches and centipedes. There were a couple of fires in other homes behind us a year and we were all trained to wake up to the sound of fire engine. We were always living in fear. My sister called the home the house of horrors.
The problem is that my father owned a business and had money. He gave a paltry amount to my mother to buy food and clothing for the family. My mother would resort to stealing money from his cabinet to be able to afford to make ends meet for the family. We witnessed it as a regular occurrence. The one thing is they never ever stinged on food. My brother presented brochures of new housing development to my father to buy a home for us because property prices would only go up. Nope he was not interested. Since young I swore that I would never live like my father. He died a millionaire, but for what? My mother suffered greatly financially and we all carry with us scar tissues from our upbringing.
My father did instill values into us like live within our means, hence while I have never had issues with BTD, I also make sure that I save money at the same time. I guess it makes me balanced.