"Poor people either mismanage their money or they avoid the subject of money altogether."

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That time of year thou mayst in me behold When yellow leaves, or none, or few, do hang Upon those boughs which shake against the cold, Bare ruin'd choirs, where late the sweet birds sang. In me thou seest the twilight of such day, As after sunset fadeth in the west, Which by-and-by black night doth take away.

— William Shakespeare