❝Fault is past tense. Responsibility is present tense. Fault results from choices that have already been made. Responsibility results from choices you're currently making.❞ -Mark Manson
The cult classic movie Office Space tells the story of office workers working for a tech firm who have to navigate the bureaucratic life that is corporate America. One character, Michael Bolton, routinely gets asked if he is related to the singer Michael Bolton. Michael doesn't like Michael Bolton's music and thus is frustrated every time anybody asks him. When his coworker, Samir, suggests he simply go by Mike instead of Michael to eliminate the confusion, Michael replies, "No way! Why should I change? He's the one who sucks."
This is a silly example in a silly (yet hilarious) movie, but the truth is it feels like things that aren't our fault shouldn't be our problem. In other words, often it feels like the problems we experience in our financial lives aren't our fault and, therefore, we shouldn't have to do anything about them. However, regardless of how much con