"Have you ever considered that your perception of reality could be wrong? If you haven't, this is a pretty good sign that it is."

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Unfortunately, money is more often misused and abused than used intelligently. Most people haven't figured out how to use money wisely to truly enhance their lives. Most, it seems, act rationally with their money only when they can't dream up any more irrational ways to spend it. To be sure, financial insanity has developed its own big following including you and me.

— Ernie J Zelinski