My dear,

Look at us, going about all willy-nilly calling ourselves wise; smartest animals on Earth we say! Yet we’re all losing money left and right hand over fist. Are we losing this money to thievery? No. To scams? No. Then to what?

To ourselves.

We’re losing all this money because we buy this, then buy that, and oh yeah, buy that too. Until, only after it’s too late, we realize we’ve spent all this money we don’t have.

… Oh well, that’s what the credit card is for right?

*Sigh* We’re sooo smart.

So smart that we haven’t learnt the simplest rule of them all:

Spend less than you make.

Falsely yours,
A. Nonymous