Paper, Planning and Pagan

Yesterday I met up with my friend, and she came carrying only her phone, her carkeys and her shades. I still carry around a totebag full of stuff. We met for lunch. She told me that ever since she has her banking cards on her phone, she no longer needs to carry any thing else, so she has no need for bags. She is a school teacher, though and she does use bags when she goes to work, but at her social life, she has gone bagless.

After some hard times money-wise, and a lot of hard work to climb out of it, I decided to look for new options to learn more about money, personal finances, and so on. I don't usually like self-help books - I have read some because of therapy, and each time find them less-than-enlightening, to put it mildly.

Anyway, I found some content creators and authors I resonate with, THOUGH I must note that there are a lot that are simply trying to play people, sell them "solutions" that would only worsen their situation (with a built-in automatic reply that goes something like "if you fail at this, the problem is you, not my advise"). Honestly, if you want to read about personal finances, you must have a basic knowledge on finance and banking, be capable of critical thinking and only then check on books, always taking them with a grain of salt.

After searching for this type of content, I'm getting flooded with loads of sketchy adds about personal finances. One that repeats itself ad-nauseum is this Hungarian lady talking about Nicholas Cage and Al Pachino being in bad financial situations, and how the root of all problems is the "scarcity-abundance mindset", and what we have inherited.

...

So, you are irresponsible with your money because... you inherited a "bad mindset", you have to break out of it, and she can tell you how?