I also wonder how people make so poor decisions with financial things in their life. I've noticed this with many of my friends who get more income, but have problems in coming by, where as I am fine. (I'm still a student)
I get the impression that you are financially free. How did you manage it? I would be interested in reading about it.
Will do a post about it in the next week or so - but have been "free" for 3 years or so, and loving it! People love spend money - but most have no interest in actually managing it - even slightly. I find it weird.