I was taught to believe, "If you work hard, you will be successful. If you are not successful, it is because you didn't work hard enough."

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.

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.

We all live in an ongoing series of calamities. I don't know of any individual who doesn't have a series of calamities. Life doesn't operate where, you make a certain amount of money, you pay your bills, you move on from day-to-day-to-day. No! What happens is, you make your money, you pay your bills, and then a new bill comes up that's completely unexpected.

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.