Thanks. I wish would-be parents had psychological evaluation at least. My mother and father were 95% inept to be parents. They did the very bare minimum and then one of them died and the other was, shall we put it softly, just a drag for 22 years until she died less than two months ago as well.

Pain inside does make one do stupid crap. Definitely applies to me. Now I am trying to heal and be more rational with money at least. The rest will follow more or less automatically; removing stress is itself healing.