You assume that smart finance is all about math, in reality it's largely about habit. If you get into the habit of debt, it becomes more and more a part of your life and more and more acceptable, that's human nature.
Simply because one "understands more comlex financial strategies" doesn't mean they're disciplined enough to execute them wisely without falling into the debt habit that the financial companies are selling you......you didn't think they were willing to give you a loan to help you out did you? They're giving you a loan to make money off of you.
If paying off debt was simply mathmatical, one wouldn't be in debt so far they have to figure out strategies for paying it off.....it's about habit...but being in a Gifted Forum, I'm certain you already knew that discipline, habit, focus, and persistence always play a much bigger role in sustained success than ability to understand a complex concept.
Last edited by Old Dad; 06/24/15 11:17 AM.
