It's kind of a toss-up. My parents had the behaviors of a mustachian, but they NEVER talked of financial matters with me so I left for college with only a rudimentary knowledge of how bank accounts or credit cards worked. I had to learn all of that myself (with the help of some very patient college friends), plus took it a step further by figuring out wtf investing was and how to do it.
My parents are the epitome of frugal. Every single car they have ever gotten was sensible and second-hand, and they ran it to the ground. They prepared simple, hardy meals, and took us on simple holidays. They rented until I was born, then bought a duplex and lived in one half and rented out the other until they saved up a downpayment. Then they built our house, actively taking on most of the work and saving gobs of money (put up sheetrock, helped shingle the roof, ran electrical wire (my dad is an electrical engineer), installed appliances and cabinets themselves, laid flooring themselves, painted themselves, etc. Then they kept the duplex and rented out both sides. All car repairs were done by my dad in the garage. We mostly shopped at Target and Goodwill. We only went to the movie theater on special occasions and only at the $2 theater. We ate out at restaurants extremely rarely -- mostly only when one of the kids came home with good grades to celebrate. We didn't have internet until I was in high school (this is 10 years ago), and only within the last 3 years did they get cell phones--they went with a pair of old flip phones. They really couldn't give less of a rip what other people think of them.
So I grew up with a very frugal mindset, and just functioned as though acting this way was normal. It never really occurred to me that other people acted any differently.
But like I said, these frugal behaviors are great, but unless it's paired with basic financial knowledge, it's hard to actually achieve financial stability and success. I went off to college laughably clueless about how basic financial instruments worked. My boyfriend (now husband) and his roommate very patiently had to coach me along to finally open my first credit card and explain how to use it--not because I grew up thinking credit cards were evil, just that I had had zero exposure to it and didn't understand it. I didn't understand how direct deposit worked when I got my on-campus job at my university. Taxes were a black box of mystery. I absolutely didn't have a clue about different types of accounts beyond a basic checking and savings account, and was overwhelmed by the maelstrom of basic retirement account concepts. IRAs, 401ks, pretax vs post tax--but then, it's not just putting money in like a savings account, you have to DO something with the money! Having to figure out allocation? What to put in there? The whole thing was completely obscure to me.
Not even having a basic foundation of knowledge makes it really, really difficult to learn, but when I stumbled upon the concept of FIRE, it lit something within me that I just NEEDED to figure this stuff out. It took a long time to learn how investing worked (what is a stock? how to I buy one? Like I literally thought you bought a piece of paper that you needed to put in your safe or something...), but I think I've finally figured it out.
So I'm glad my parents instilled frugal habits in me from a young age, but the step beyond into the strategic tools and methods to achieve wealth? They really were not involved in that at all.