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.

We need more than simply financial education. We need to re-orient ourselves mentally, in terms of what the American Dream is, and how we fit into it. And we have to adjust ourselves to understand that finances are not everything in life. That would go a long way, towards changing this winner-and-loser mentality. We have to - Allow people to feel that sense of success, so they won't feel the sense of shame.

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!

And it struck me that talking about our financial situation is very much like men not wanting to talk about sexual impotence. It's just not something you do. It's an embarrassment. It's a shame. It's a humiliation.

Everyone who is in a financial situation argues with his or her spouse. Many people argue with their children. Or they lose the respect of their children. I, fortunately, was not in that case, but I have friends, who've opened up to me, and their children turned on them! Not because they're bad kids, but because they say, "Well, you don't have the money that I need to do such-and-such a thing." You recede from the world. Because you don't want to deal with people. You don't want to socialize, because you have this deep, dark secret, which is absolutely, y'know, hollows you out.

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.

I didn't really care about money. I really wanted to follow my bliss. I really wanted to do the things that would make my life satisfying, in the fullest sense, and I was never thinking about money when I made those decisions. And I certainly didn't want my life to be driven by money. I'd seen my father's' life driven that way, and, although again, in retrospect, I understand fully why he did that, I didn't wanna live looking for that kind of financial reward. I wanted to live with the emotional, psychological, and even moral reward of doing the kind of work I do, which is, y'know, writing.