I’ve become better at predicting the future or should I say, plotting out what might happen based on a choice I’ve made. I’ve developed this through trial and error. Thankfully, many of my poor choices occurred when I was young and I had time to repair them. That’s not the case for an old friend. He knowingly made one terrible choice many years ago and has been paying for it ever since.

“Oh, she’s just had a run of bad luck. That’s why she’s having financial troubles,” I recently heard someone say about someone I know very well.

I kept my mouth shut, but it made me realize there really isn’t such a thing as bad luck, at least not when it comes to repeat-behavior and financial habits. Instead, it’s an excuse for not taking control of the financial situation and making some much needed changes.