re: #248 gwangung
The two correlate a bit more than they should; if you don’t have close experience with money (i.e., a relative), there’s a bigger chance of screwing up.
Had a grandmother who beat into my head every day I lived with her that you shouldn’t spend money you haven’t got, to keep what you got as long as you can keep it working, and never buy something you don’t need.
Hasn’t always kept me from making stupid buys, but it has instilled me a massive feeling of guilt when I do.