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I know three nights ago I proclaimed that I would post on this blog no less than ten times a day.  Clearly it was wishful thinking on my part and I'm fairly sure the caffeine played a role.  The fact that I have posted two days in a week could be considered a small victory.  How about I just aim for something much more manageable like one blog per week.  I assume that for those of you whom blog, the subjects that you write about resonates with you on some level.  And because it does you do your best to get your point across to your readers.  Can we all agree on that?  Ok let's move forward.  At least that's how I do things.  Today I want to talk to each of you about the growing problem this world faces, and it's the growing Stupidity Problem.  There's such a board range of stupidity  but I would like to talk about stupidity when it comes to our finances and life choices.  Everyday more and Americans make stupid decision about their finances, diet and education.  Our stupidity as a whole is a big reason that America is in the giant financial debt hole.  What's worst is that most of the Stupids-that's what I will refer to them as from now on- believe the government should bail them out.  I say why reward them for being stupid in the first place.  If you were only making $30,000 a year then you had to know there was no way you could afford a $200,000 home. Some of the Stupids weren't even making $30,000.  The best lessons are the hardest learned and most of us still glutton for punishment by unnecessary purchases like new cars, clothes and dinning out.  Somehow we managed to justify those purchases by telling ourselves we deserve it.  Or convince ourselves  that they need it, Stupid.  

The main thing that I have noticed is that most people don't understand how money really works.  Its one thing to walk around with money in your pocket but unless you're about to spend all of that money at the grocery store, etc it isn't earning you any additional money.  A long time ago banks used to pay out interest for allowing them to keep our money but now its the exact opposite.  With the economy in its current state its difficult to find any high-interest baring accounts but there are some out there if your willing to do the research.  I don't believe that walking around with all of your money in your pocket is very smart.  Because at the very least a tiny bit of interest is better than none at all.  Now back to my point about purchasing things that aren't necessary-and I'm really just generalizing here.  Ladies, you aren't going to die if you don't buy those $125 pair of six inch hills.  Guys you really, really don't have to spend $60 on every new video game that comes out, especially if the bills are piling up.  But I'm nothing telling you guys anything that you don't already know.  But just because you can doesn't always mean you should.  Even if you can afford that new ride you've had your eye on for a whole doesn't mean you need to go into debt to purchase it.  Especially if you already have a vehicle that works just fine.  

While I have done no real research to back up this claim I believe that mental wellness and physical health go hand and hand.  A healthy mind equals a healthy body and vice versa.  So if you eat like garbage you will most likely feel like garbage.  And when you feel like garbage you don't always make your best decisions or do your best work.  Getting plenty of rest is vital to any operation.  You don't see doctors performing surgery after going on a bender.  Track and field participants don't party all night before a meet.  Nobody performs at their best when they haven't had the proper rest.  So just be sure to add more fruits and vegetables to your diet and cut out the sugars, starch and fats.  And a little physical activity wouldn't kill you either- a short walk after a med to light dinner.  A apple or banana for desert as as supposed to a banana split.  You see what I did just now?  I grouped in diet with physical health.  It wasn't hard because the two go hand and hand. 

Continuing to make the wrong choices makes your stupid.  You can get mad at me all you want but it doesn't change the facts. This is something that I do know for certain and have researched, so to speak.  Educated people can be stupid as well.  After all they tend to accumulate a higher amount of debt than the uneducated.  Why?  Because they have higher paying jobs which means they tend to spend more on homes and vehicles.  Not even they fully understand how money works and it's not entirely their faults.  I blame it on the Money Changers who intentionally make the concept of money so complicated that most of us become so frustrated that we give up trying to learn.  But that is another blog for another time. Using myself for example, the more I learn about money the more I realize that I don't know hardly anything about money.  Please allow me to get back to the subject at hand which is education and lifestyle choices.  You may not believe it but those two really do go hand and hand.  The more you know the the further you can possibly go.  Or at least that's the working theory.  The parents should teach their children about the value of money at an early age.  And what's taught at home should be layered upon in the schools by the teachers.  Instead of home economics they should have classes that focus on financial planning/money management.  Most of these kids honestly get it, they understand the simple concept of money-you work, you get paid etc.  Unfortunately too many of our young men and women come into the real world armed with no knowledge of how money works or the importance of a good credit score.  These are almost always the ones who find themselves living from paycheck to paycheck or on the welfare system.  I understand that everyone can't be millionaires but we should all have a small degree of financial independence.  That should be the real American dream.  Not everyone is meant to own a home and most people shouldn't because it entails more responsibility than they are ready for.  And everyone can't drive a fancy car or wear the latest and hottest thing that fashion has to offer.  Remember that it's the advertiser's job to sell you on whatever it is they want you to buy.  When you see that guy or girl with the nice car, motorcycle and big house don't be jealous or envious because you don't know what they had to do or sacrifice.  For all you know they could be living from paycheck to paycheck just like you.  But if your smart you don't have to live paycheck to paycheck.  So education is supposed to lead to better lifestyle choices.  Let me add one more thing.  If you're going to the clubs every night and spending money on booze you probably aren't saving very much.  And if your already stupid, booze makes you even more so.  Nobody ever became smarter after they drank.  In the end I guess what I'm trying to say is be smart.  Be smart in all phases of your life.  Be smart with you finances and your health.  And if your already smart than be smarter.