Howard and I were raised in a family that worried, with very good reason, about money. Debt was a given, not a theory, in our home. There are two ways to come out of that family dynamic – being a spendthrift and being a skinflint. Howard was a bit more of a spendthrift than me (actually, Ebenezer Scrooge is more of a spendthrift than me) but we both worried about money and going broke.
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