make our own decisions

But somewhere along the line we have to learn to make our own decisions about value. There's a common law of economics that states that many poor people will stay poor because of the decisions that they make about how to spend their money. How many people have you known or known of, for example, who have little money yet who buy a very expensive car with high monthly payments? And how many people are in trouble right now because they bought houses that were more expensive than they could afford?
While I wouldn't say that the answer to our money issues would be to skimp and save every penny and never have any fun in life, it is important that we learn about value and about when to spend how much. A few years ago, for example, my wife and I had cell phones. At the time I worked half an hour from home, I was on the road with sports teams a lot, and my wife also was on the road quite a bit. The cell phones made sense, even though we didn't use them much--at least we knew that if anything happened, we could contact one another.
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