I live at the most prosperous time of human history, in the most prosperous nation in the history of the world, yet I never seem to get much beyond a hand-to-mouth level of living. Listening to Dave Ramsey would make me believe that that's entirely my own doing. I do admit that a certain amount of my failure is due to my decisions yet I'm not certain that I can entirely chalk up my position to me missing opportunity (or refusing to access the opportunity)... Maybe I'm lying to myself....