Who is to blame? Mostly your genetic makeup is to blame. After that you are if
you don't take the time to evaluate why your finances are so bad and then
learn from your mistakes?
I know people that complain about lack of funds while spending up the yang, In
mission field people get same amount of Money and some spend so fast want to
leach others have several hundred dollars in there account, just don't know
how to spend. Money often is management issue not lacking earning.