Recently husband and older son were having one of their financial planning discussions. This is fairly normal.

If you’ve read “Rich dad, poor dad” — I haven’t, but I’ve heard enough about it second and third hand to know what’s in it — the idea is that there are “rich” mindsets and “poor” mindsets.

Broadly speaking it is correct. “Poor” people — who might temporarily have lots of money — have habits that involve short term gratification, avoidance of risk etc. But I’m not a 100% sure ...