Yeah you are right we need to be smart in making choice, choice is made by you nobody can force you to choose whatever you did not want.

If you want to have a good financial life is about choice and if you do not want it is about choice, a lot of people don't know how to choose rightly.

And this have affect them a lot, some they don't choose smartly, especially when it come to opportunity when you see an opportunity you just have to be smart at things and make a choice that will favour us in future.

That remind me of the prodigal son in the Bible,he came to his father for his own properties when a father is still alive.

Is Father gave it to him because that his choice, and he went away with the money and lavish it, spend it the way you want.

And after making that choice and which he has lavish all the money and in the future when begin to suffer and no money with him again then I remember that he has make a bad choice and he went to his father for forgiveness.

And his father forgive him and accept him back,but in this matter of finance sometimes you might not see another opportunity to regain whatever we have lost that is why we need to be smart in choice making.