Hi Corey.
Definitely it was a great lesson from your mom the teaching "You should save and if you can't pay for it now you don't need it". It was similar what I got from mom too. And not too bad if you didn't get a credit card. As we know, how easy is to fall in bad administration, handling credit cards and even dangerous without discipline and courage, getting financial problems, crisis and bad debt. So, could be worst. Now, it is better, they are many ways to start building a credit history and prepared with more experience in money management, developing your leadership in this area.
Thanks Corey.