You are not cursed my dear friend. You only need some level of financial intelligence. In the money game, you must learn how to play both defense and offense simultaneously. Make your money offensively, then invest it defensively in "safety nets" to protect it. That's how to play the money game. This is one of the reasons why you should join the Alpha Investors (AI) community - to learn how to protect and safely grow your money. But then again, the choice is completely yours!