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DarlingDaughter is cautious by nature.

We did try to encourage her to comparison shop, to save. Her dad picked her up and put her on the counter in the bank, so she could see what he was doing.
And as soon as she could write her name, we had her sign a card for her own account.

Payoff: when she took a lowpaying job right out of college, she cut her spending to match and still saved money. Now that she's making good money, she's still saving and investing.

Financial education is important (and I'm chattering about it in support of Foolanthropy)
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