There are lots of instances throughout a lifetime when having a certain amount of financial savings might be crucial in relation to making a large purchase. The second group of individuals is a unique story. For these that are simply incapable of managing their money, I believe a number of it has to do with training, or lack thereof. They merely do not have the intellectual capabilities to handle their money. This is not to say that these persons are misplaced causes. I just think in their cases, they may really need skilled financial assist, and so they might need to pay for it. You see, as soon as I got out of my gap, it occurred to me that I did it with out professional recommendation from anyone. And it is a massive part of what my book is all about-the truth that you need to be able to repair any monetary mess that you just created for yourself with no need the assistance of any paid professional.