Only the wisest and stupidest of men never change.

A wise guy once told me that you don’t have to know everything you just need to find the person who does. Actually that is some sound advice given to me by my husband. He is a wise man but that doesn’t mean I’d want him to fix our furnace. Thankfully as of yesterday we have heat in our house again. Let’s just say I have a new appreciation of our ancestors who had to live through Wisconsin winters without heat.

Yesterday we also made the yearly trek to a nearby small town to talk to our financial advisor about our financial plans and goals, retirement, and all that fun stuff. I am pretty much there to nod my head to whatever my husband and the advisor says we should do. I probably shared before my husband has a Master’s degree in business administration. He loves finance and spends countless hours at his current job doing high level financial analysis. The three of us were joking yesterday if he buys another sailboat he should consider naming it spreadsheets.

Needless to say, my husband is very meticulous with our home finances. We live with a budget, our credit card offers cash back where my husband goes over each line on the statement to categorize every expense. Last week he mentioned he was thinking about becoming an accountant just for fun. He has helped other people and companies come up with a budget. So naturally when it comes to finance I defer all of the decisions to my husband and our financial advisor.

After the meeting with our advisor, we were happy to find out the nearby Chinese buffet is once again open. The fortune above is the one my husband received. We had a good discussion about his fortune. There is a lot of validity to this fortune. I haven’t seen wise people all of a sudden become stupid or vice versa.

I think my husband is a wise person. He successfully ran a start up business until we sold it a couple years back. He has earned the respect of others when it comes to finance. Not only that but I noticed others value what he has to say. People trust wise people. Look at the ads with doctors promoting medications or dentists for toothpaste. I can trust someone’s judgment if I think they are smarter than me. Of course that doesn’t mean I will because I am not the most agreeable person.

My husband notoriously worries about money. It’s the only thing he actually does consistently worry about. It’s funny at times because if I ask him if we can afford something he will say we can’t afford anything. It’s hard to know if it’s him or the fear talking. Every day he makes it sound like we are going to lose our house.

I understand where he is coming from. Paul was raised by a single parent. His childhood was food stamps, low income housing, and ill fitting clothes. He had the fear that the bills might not be paid and he might not have a roof over his head.

As an adult he argued with his mom about money. His mom said that a credit card was money and found herself in credit card debt. My MIL also was addicted to gambling. One time she called very upset. She said the bank called her saying they thought she might be the victim of identity theft because someone took a large sum of money out of her account at a casino. Paul asked her if she took a large sum of money out of her account at the casino and she said she did. He had to explain to her that no one stole her identity, it was her.

My MIL never graduated from high school. She tried to get a GED but couldn’t understand basic math. It’s actually quite sad. I never could understand how my husband excelled at math, money, and finance with no one to teach him any of those things. The sad part is that my husband is a good teacher but his mother was never able to learn.

Sometimes in our early years together Paul would slip his mom some money when we were leaving. I found it strange because in my family it was the other way around. Thankfully in her later years Martha married a tightwad. I think he was able to keep them afloat. It troubles me quite a bit that some of our kids are more like Martha than Paul when it comes to money. Money in the hand is money spent is not an easy way to live. I’m not sure if that will change but I think it can be improved.

This fortune is rather harsh but true. I’ve yet to see a stupid person become wise no matter how much knowledge you throw their way. I have to be careful myself I don’t fall into a pattern of unwise thinking. What about those of us who fit somewhere in the middle?? Perhaps the best course of action is to discerningly seek wisdom from those who know. But I wouldn’t want my husband to fix our furnace. Everyone is valuable in some way, we just need to find the way.