When I was young, me and the DW were horrible money managers. This resulted in a period where we would receive the paychecks, pay the bills and figure out how to get to work, 20 miles away, with two cars for two weeks on $20. That was enough for my car for a week. During that time we ate mostly broccoli, cauliflower, and rice. I learned during that time about saving, I was doing the money. We got out of that trouble little thiner but still in one piece and with a decent nest egg started.
A couple years later I let the DW take the money. She hadn't learned the lessons I did, and she wanted to handle the money without help, she refused to listen to even the slightest assistance. She did go to a couple financial advisers with the banks she worked at, who offered their assistance without charge. The only requirement is she had to follow their plan to the letter, things like open this type of account or pay off this loan first. Any deviation had to be approved prior to taking action. She didn't follow their plans and was dropped by both of them. After about 4-5 years we were in bankruptcy court. When we filed I took the money again. We paid off the court early and have substantially increased our position. The DW even said she should have listened more and seems to have learned her financial lesson.
All of our financial problems were due to our ignorance and youth.