I grew up in a family that valued money management. That background has served me well in running my business. My parents, both teachers, conserved money by turning down the heat at night, shutting off lights when they were not in use, cooking our meals rather than going to restaurants, packing lunches to take with them to their work, cutting our hair rather than paying a stylist, cleaning their own house rather than hiring help, sharing one car, and shunning conspicuous consumer goods.