What’s the difference between the rich and the poor? The rich knows how to handle money. The poor doesn’t. Now don’t get me wrong. I’m not saying the poor are poor because they don’t know how to handle money. I’m saying the poor don’t know how to handle money because they’re poor. They weren’t able to handle money much to begin with. These days, as wealth supposedly trickles (trickles!) downward from the improving economy, as salaries from new jobs come, as OFW relatives remit cash, as lotto tickets win, the beneficiaries of this money need to learn to budget, to save, to invest. Otherwise, much of the money will go to waste.