...why ain't you rich?

An explanation. And good advice. It's not new, but too many people (particularly in the inner cities, due to a dysfunctional culture) haven't yet figured it out.

When I look around the squalor that makes up the majority of my house, I often hearken back to an article you posted a few months back about "absent-mindedness among intelligent people". After reading this article, I wonder how much of the "lack of savings planning" falls under their theory of "I can make more later" and how much of falls under "I'm too busy to worry about that right now, I'm doing other, more productive things".

It seems to me that those two ideas (absent-mindedness and lack of planning) mesh together better than an idea that smart people think that they can always make more money.