Most of us grow up in families where nobody talks about money. Most people will immediately protest: “Not true. My family talked about money all the time”. When I ask, “My father worried about not having enough, and the he yelled at my mother for spending too much.”
The fact remains the people do not grow up with education or philosophic conversations about what money is and isn’t, what it can and can’t do. We don’t examine the societal messages telling us that gratification lies in spending or that keeping up with the creme d la crime is important. Information-based money discussion are so taboo that we usually reach adulthood without a realistic sense of our family’s finance.