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Argh! Believe it or not this is the second time I’m writing this post. I was just about ready to publish the first (original) version last Friday, but upon hitting the ‘publish’ button, the post disappeared into a puff of digital smoke.

Damn! Hours and hours of writing completely gone due to some strange technological fart.

But my little blogging mishap is a very very small problem compared to the incredible difficulties many people are living through at this very moment. It’s been a very difficult year.

If you’re the kind of person that’s not afraid to talk about money, sooner or later you’ll encounter the phrase “She’s good with money”, or “He’s bad with money”.

It’s an interesting turn of phrase… one that implies some individuals have a greater ability to make money (or build wealth) than others.  Living in today’s very unequal world, this appears to be the case.

On one hand we have billionaires with so much wealth they could literally spend one billion dollars a year and still not outlive their own fortunes…