Our advice columnists have heard it all over the years—so we’re diving into the Pay Dirt archives to share classic letters with our readers. Submit your own questions about money here . (It’s anonymous!)

Dear Pay Dirt,

By most of the world’s standards, I have a terrible relationship with money. It’s in my hands, then it’s out of my life. I pay my bills, I pay my rent, I travel, I treat friends to meals and gifts, and I donate to political causes and charities. But I am over 40, and I have credit card debt (though all current with a good credit rating), and absolutely no savings to speak of. But I am happy! I have no kids to worry about supporting. Am I really in that terrible of a position?

—Money Isn’t Even Real Anyway

Dear Money,

You’re not in a terrible position, with one sm

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