As I get older I (hope) I am slowly starting to understand how the world works, and that is gradually changing some of my interactions from being nice and considerate and open and honest, to being careful and calculated. Although I still have a long way to go. I guess oftentimes I am open and nice at first meeting people still and then realize I have to be more calculating. Which by that time I probably have already given myself a disadvantage. I am almost 40 now so hopefully I will finally get this ?character flaw? ironed out pretty soon.

When it comes to money, people look out for themselves. And unless you are independently wealthy and maxed out your penchant for philanthropy, then you probably have to do so also.

BTW this is a terrific article.