Wish they sent together more often? Perhaps we can shine a light on this. Behavior Finance is becoming popular (understanding why we do what we do with our $$$.) Seems like the more secure we are in our lives (that is internally secure in who and what we are and do and live), the more passion for life we have and the less susceptible we are to shiny objects, wrong turns, debt out of control, spiraling down the path of bankruptcy or misery. Just saying. Know thy self and what do we want to be when we grow up. Still works. Have fun with it.