If you are a parent you ALREADY don’t have any money right now! What happens when you buy the following? Will you have negative money?! (i.e., the biggest debt of your life). And this year your kids (ages 5 to 40) will ask (demand?!) that you buy them: Switch 2, mobile phones, Xbox games, tablets (AND laptops?) gaming PCs, designer clothes, pro instruments (piano, violin), hockey gear,