My worst memory was as a kid. I was told by my mother to behave while we were in church, be quiet and participate. Then I would get an allowance and reward for a hot wheels toy afterwards. I did and followed the instructions to a T. Then, after church we are leaving and I reminded her of the commitment. She snapped at me something about not needing to be rewarded to just go to church. I protested that she promised and her response was, "Well I lied. You needed to behave."

And that set my attitude about money and contracting for the rest of my life from age 6.