Our own personal salvation is to say, "I'm not going to judge myself, or let other people judge me, by my economic worth." We can't, obviously, control how other people will judge us, but - Life's too short to worry about those things. We can't control those things, but we can control how we feel about ourselves. And we work towards that. To say, "My life has been a success. Even if my bank account doesn't indicate it."

My real problem was certainly decisions I made, and the optimism that I had in making them. Y'know, I mean, I lived within this kind of nimbus of optimism, that, no matter what I encountered, I would always overcome it. Well, optimism can be your worst enemy as well as your best friend, but the other side of this is, that, y'know, expenses grow. But our incomes have not.

And financial problems are exactly the same thing. You're humiliated. You're ashamed. You're embarrassed about telling anyone that you are suffering financial difficulties.

Be cautious, understand the consequences of your decisions. You have to understand the consequences of every decision that you make. If you decide to be a writer, that's going to scale back your life, than when you decide to be an attorney. Y'know, if you send your kids to private school, then it's kind of like the federal budget, where if you spend money on one thing, but you have to cut on something else. So you just have to be aware, at all times, that every decision you make, has reverberations. And you have to understand those reverberations, and either you live with them, or you don't.

Yeah, we could have done things differently. But - If we'd done things differently, we wouldn't be who we are. We are the sum of the choices we make. Even the bad choices we make. I made a lot of bad choices, but on the other hand, I am who I am, and I'm proud of my work, and I'm proud of my family, and those are also the product of choices, including financial choices, that I made.

Obviously, psychologically, it would make all the difference in the world. But I think it would also make a big difference financially. If people understood, that, "Y'know, having all those things, that I was told I was supposed to have, to be successful, really is not a measure of success, and I can't have them anyway -" Yeah, that would make a big difference. It would've made a big difference, I think, in my life.

I call it financial impotence, this notion of not having enough money, because it has the same characteristics as sexual impotence. And men will never talk about sexual impotence, no matter how close you are to someone, but financial impotence is an even greater barrier. And, I broke that omerta. I had people walk up to me in the grocery store - Several people, coming up to me and saying, "Gosh. Let me tell you my story." People are so pent up with their sense of financial impotence, that they're dying to get it out!