@logan: You can be better about money and still be you! I promise! You will just find other things to be irresponsible about. I mean that in the nice way. You will spend too much on shoes or stay up all night drinking Red Bull and quilting or quit a job on the spur of the moment. Or eat too much or drink too much or get into an Aston-Martin just because it is unlocked and you have always wanted to sit in one. And: you also like my son.