At one time or another, we learn the lessons of fiscal responsibility. You may have learned them when you were 12 and managing your allowance. Or maybe you had to learn as an adult, the hard way, with a ruined credit record and a tough second start on your financial life. That's the premise of this week's Finance First post on www.farmfutures.com. Read Darren Frye's post here. Darren Frye is the President and CEO of Water Street Solutions.