BG, 2 & 4 makes total sense together. If you’re too afraid then you’ll be poor. But your solution is to let other manage your finances, you’ll probably be poor too. The correct solution is to learn about finances and get over your fear. It doesn’t hurt have other help you take care of your money but to have other take care of your money, that’s a different situation.
BTW, this list nails it. It doesn’t cover the exceptions, but it does a pretty good job nailing the vast majority.
