People aren’t “bad with money” as often as they are shaped by a different past. What feels reckless to one person can feel like basic self-protection to another, because each is working from a private history that taught them what danger looks like.
The most common mistake is assuming your view is neutral. It rarely is. It’s personal—built from the era you were born into, the opportunities you saw, the disasters you lived through, and the lessons you absorbed before you had language for them.
That’s why financial debates become moral debates so fast. They’re not just disagreements about strategy; they’re disagreements about safety, identity, and what it means to be responsible.
Once you accept that, the goal changes. It’s no longer “convince everyone to do what I’d do.” It becomes “build a plan that fits my own reality—and leave room for the fact that other people’s reality is different.”