I was talking with a good friend who happened to share that her brother had recently gotten a promotion, yet he was always in money trouble. When I probed for the reason, she really didn’t have any, but it provoked a discussion about how people spend, save, and manage their money. This friend went on further to state she didn’t know how she could even be related (to her brother) given their completely opposite habits about money.

I have been a mentor/friend to “David” for a half-dozen years or so – long enough that I don’t really remember (how long). David (a pseudonym) is in his twenties and suffers from a rare disease in which he has a handful of challenges and remains intellectually and emotionally at the level of about a 12-14 year old. He has minor symptoms of autism, walks a bit awkwardly, and his speech is sometimes difficult to understand.