No Kidding! Thank gosh sakes for the innumerable institutions, both private, public and governmental, as well as the individuals of every stripe who are in the business of helping people use their money effectively. Considering the incredible financial illiteracy combined with the constant pressure to spend by media advertising, not to mention the incredible amount of financial fraud at every level of business, as well as scammers invading our email, land lines etc.
The people that I'm referring to are generally selfless and interested in the general good, and some of them have shown up here!