I'll call back later <a href=" http://www.archiform3d.com/150-mg-effexor-lot.pdf#reputation ">venlafaxine hcl er</a> Plenty of factors explain why some people have difficulty following those two simple money management guidelines. Life is expensive, and not everyone has a six-figure job. Sometimes a medical problem or job loss upends a good financial picture. Still, it's always interesting to ask the question: Why, knowing all that we know, do we still often make bad money choices?