When did our nation's mentality change? What happened to change it? We once were a nation of savers. Americans knew the value of a dollar and were committed to keeping some greenbacks for a rainy day. I recall my grandfather telling me, "A dollar saved is a dollar earned." I was given a piggy bank before I started kindergarten. In first grade, I was taken to a local bank to open a savings account. We spent within our means. I had one pair of shoes for school and one pair for dress-up occasions. When I wore out my shoes or grew out of them, another pair would be bought.