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Health is one thing that once gone is much harder to get back. Never take your good health for granted, because one day it will end. You and I know all about that one sadly. Money management should be learned young, and parents should teach their children early on. Hopefully they listen, and save.
The best advice I ever got when I started working was: before you pay any bills make sure you pay yourself. Always save some of your income no matter what, then worry about bills. It has made my life easier over the years. It doesn't fix health related expenses, but it provides a nice cushion while it lasts!
RE: The Psychology of "experience learning"