Hahaha, I have always worked, worked and much more worked, but the smart that you talk about is still missing to this day.
With a wife and 3 kids I had to work every day and also many nights and there was never a cent to spare or to save. Funny how one can get used to that after many years and work was always the answer.

Now only, as I am much older, some thoughts have dawned about smart money, savings and such, but it is a stranger to me and I just have to plow on forth hoping to plant some seeds that will grow.
Soon I will not be able to work anymore and that chapter of my life will be closed.

Too late to learn the tricks of investments and such, but hope is still aflame that I will make it to the end!