> The chronic illness I have now, was misdiagnosed by a general doctor when I was 16, because y mother couldn't afford to go to a better one - one who would have likely sent me to a specialist, which she couldn't afford either. It was "easier" for her to feel she was doing something, even though it was not the right thing to do. But at that age and in the condition I was, I had little choice in the matter, and have been living with the consequences ever since.

That's pretty tragic dude and I guess it really shows the inequality between different people based on how much money they have in the bank.

That inequality is greater still in some really poor countries, where many will never see a doctor of any description.

What I do find interesting though is that many in these poorer societies can actually be healthier than affluent countries as they don't eat junk food or processed foods. Everything is made from scratch with raw base foods.

On the subject of financial mgmt it's great to instill some knowledge in them at a young age like you are doing with *little steps*. That's great parenting in my opinion. Life skills are up there with education as a fundamental building block of a solid person.

It is possible to learn to make investments from an early age, they are small steps that are taken; it is possible, however, to be an expert in financial operations and to make mistakes in the decisions taken. This is how third parties will see it, they are not mistakes due to lack of knowledge, it is simply the financial environment and its multiple variables to be considered.

My seven-year-old son Matthew has learned to save. The allowance he receives from his maternal grandparents he manages very well, he asks me how much this or that costs and estimates the possibility of acquiring it, if necessary, with two or three allowances.

I don't consider spending money on holidays to be a waste, for me it is a healthy investment. We must enjoy the short life, let's remember that time flies by, we are mortals who at any moment will leave, abandon the ship and take nothing with us... 

Financial Management is an incredible skill to have and something that keeps changing as you get older and financial situations change. I think one of the first steps is to acknowledge your relationship with money and know what kind of money person you are. Only then you can slowly figure out what next steps to do.

I am not trying to spruik this book, but the [Barefoot Investor](https://www.barefootinvestor.com/) is a decent read especially if you are looking for some guidance around planning and some psychology behind it. I am a believer in out of sight, out of mind especially when it comes to saving. So I do split my money into buckets and have my savings in a separate bank so that it takes effort to get it. The time and effort lets you re-evaluate if you really need to touch your savings.

That line about picking from two bad choices and hoping for the best. Really hits with me this morning. I know that feeling all too well. I had a misdiagnosis a short time agom luckily they caught it in time, but the mild outrage was still there. 

I would rather have not had than had and lost a fortune as I appreciate what I have as this has not been a free ride. Struggling is what we do and the decisions we make are limited due to having fewer choices. I know when and if fortunes one day arrive they will be appreciated and not wasted like many tend to do. I need a holiday as well, but that wont be happening for a good few years yet. teaching our children the value of money is the biggest lesson we can teach them as just looking around it is obvious this has been neglected by our generations.

> For some of us, no matter how much money we receive, it will continue to pass through our fingers like water. We keep dipping in, scoop after scoop until there is nothing left, and then into minus. I know people who have burned through more money than I will likely see in my lifetime and now, they struggle to pay their utilities, let alone take a vacation. Their "good times" were amazingly good, like the ultimate high, but the crash on the other side has left them with memories of opportunity wasted and bitterness, not gold.

Reminds me of a friend of mine. He had some kind of work related injury when he was in his late 40s. I don't know the details, but his company offered him a lot of money plus early retirement. I don't know how these things work in Japan, so I don't know if that's a common thing or not. Anyway, instead of investing wisely and making the money last, he blew through it all within a few years and then had to go out and get another job. (A dead end job at a convenience store)

Then there was MC Hammer... I wonder if he still works as a used car salesman. 

> Sometimes, it is that she says she doesn't want something but then (like children do) changes her mind ten minutes later, but it is too late, the decision has been made. 

I struggle with this with my oldest all the time...  I'm forever trying to teach if you delay making a decision, that *is* a decision and likely one that causes you to miss both options that you were indecisive about. 

> a scarcity mindset is difficult to shake

I feel this more and more as I see prices in New York City hit mind boggling numbers. I just don't work hard enough / make enough money to survive here long term and it is frustrating that maybe I should have done more (like you said) with opportunities I had when I was younger. I chose the fleeting memories every time.

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