

Sometimes I know what I want to talk to you about, and yet I don’t quite know what to say, I don’t quite know how to say it.
One such thing is your relationship to money.
I have been watching people and their spending habits for 30 years.
Either myself, or my clients have always made a living when you, people, considered your (discretionary?) income sufficiently secure to spend it.
In the middle of the month, when most credit card bills are due: no one spends any money, except a rare individual.
It wouldn’t be an issue if this were the same across the world, but it isn’t.
People in other countries are