Really. They are.
Understand that there is nothing in this world not driven by the spending of other people's money, also known as Credit.
1) Do not trust Financial Advice from a man who identifies himself as John (middle name: Stewart) Fram. a) Young Spender, wherever you are, if you are reading this, if you hear only one thing that I, Author, tell you, if you take to heart only one of these Five Points I have prepared for you so carefully (because you see that, don't you, Young Spender: You see that I have prepared them for you and for no one else), then let it be this: Do not trust a single word that comes from John Fram's mouth.
Five Points of Advice to Young People on the Spending and Earning of Money, Part Two: Always Pay for Art
1) Steal as little Art as possible; try, always, to pay for it.
Five Points of Advice to Young People on the Spending and Earning of Money, Part Four: Drugs and Prostitution
AUTHOR'S NOTE: The Author would like to make perfectly clear, before beginning, that he/she does not in any way sanction, condone, or otherwise recommend the selling of illegal substances or one's body, and said bodily services as a means of making income. However, as outlined below, he/she does not judge those that take this path, as he/she understands that hunger is a force to be reckoned with.
Five Points of Advice to Young People on the Spending and Earning of Money, Part One: Overdrafted Bank Accounts
Understand that no matter what you do, Young Spender, there will be occasions upon which your bank balance will slide into the negatives.