When you think of all the financial planners, seminars about money, financial services, books, magazines, websites, self-help courses and other forms of financial advice that are available, it\u2019s hard to understand why so many of us are uncomfortable managing money. Certainly, a shortage of good advice, planning, and help is not the problem. So, what prevents Canadians from making good, long-term financial decisions? The underlying issues are deeper, more personal and more difficult to nail down. In the old days, many people believed that the formula for financial success started with a good education. We used that education to build a career, and then when our lifestyle caught up with our income, found a way to earn more money, get promoted, move up and save. The end goal was to retire and live easy without a worry in the world.