Tsai Jung-mei was born in Huatan, Changhua County, in 1944 to her father, Tsai Chin-hsing, a tailor educated during the Japanese colonial period, and her illiterate mother, the epitome of the hardworking traditional woman. They raised two sons and two daughters. Tsai Jung-mei is the oldest of the girls.
「要在愛的銀行裡存款」的陳蔡榮美，一九八四年出生於台灣彰化花壇鄉，父親蔡進興是裁縫師，受日本教育，母親不識字，是標準任勞任怨的傳統婦女，育有二男二女。