@ Terry: overall. Just one thing I'd modify very slightly:
"Always Mostly use money to GAIN more security, health and opportunity."
You gotta blow a little bit frivilously here and there to add enjoyment to your life. Even if it's just a candy bar once a month.
A former Bethelite told me he would walk past the store every day and his candy bar of choice would call out to him. He always said no, until the end of the month when he would have his $.75 reward.
A good habit, IMO.
om