Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - What is your assessment of the following - trying to wrap my head around it? - I'm searching for the right words. -- Person used to make good money - lives in a very expensive place - has lost a lot - bankruptcy - borrowing from others - 0 investment in education or training - others have helped person rise - knows that should have savings - seems to equate how much money you earn to what you can afford - (likes things that don't deliver long term value). When was earning a lot of money - it was all spent and then some - economic downturn - lost 90 of it or thereabouts. -- I don't have much going on so I have time to think. -- Single - Aging - upset with friends who have moved on in life. -- I'd like to help this person if I could. -- I don't understand this mentality. What words would you use to describe it? Please be kind. There are no need for cheap insults. - I am truly seeking to understand but also how you would characterize this.