Money Talks

Money Leaving

Have you ever looked back on money leaving you and realized you were hurt by it?  Perhaps you were scammed or lied to about something. Perhaps you spent money recklessly or maybe it was just bad luck. The saying ‘Buyer’s Remorse’ comes to mind.  What is buyer’s remorse but regret about money leaving you?

My Money

When I was a young man I got a small settlement in a lawsuit of around $9,000.00. I had to decide how I was going to use the money, whether to invest it or to use it for Graduate school. I chose graduate school. I put the money in a money market fund and took it out little by little. It allowed me to work part-time while I went to grad school full-time and it lasted long enough for me to graduate. I don’t regret it and I don’t feel hurt by it being gone. But I do sometimes think what if I had instead invested that money in a relatively new local company where I lived. What would have transpired if I had invested in Apple in 1981?  That $9,000.00 would be close to $2,000,000.00 now.

My Parent’s Money

One of the reasons I was conservative and deliberate about what I was going to do with my money is this story. My mother got an inheritance after her mother died of about $30,000.00. My parents used a good chunk of it to by a very nice boat. We had a lot of fun on that boat for a little over two years. I really loved living and working on the boat for my high school summers. It seemed worth it. But in the end, it blew up and I was burned on 70% of my body. At that exact same time the oil embargo hit the US and the aviation industry, which my father was employed in, went in the tank. My mother meanwhile had a brain hemorrhage and spent almost 9 months in the hospital and in recovery. The result was our family having a big change in financial fortunes. We didn’t go into dire poverty by any means, but it did make for a drastic change in things. My college bills couldn’t be paid and I had to leave school. I moved to California with some high school buddies and made my way on my own from there. The boat was nice but the loss of that money really did make a difference later.  I look back and am amazed at how much stress my dad must have been under during that time.


Ah, 20/20 hindsight, right? It’s hard to say what would have happened. Maybe I would have invested in Acme Computer instead of Apple Computer and lost my shirt.  My parents may have done the same with their money.  All one can really do is learn from others and from experience and try to make the best decisions about where your money goes. It isn’t easy but one can become educated about how to handle money wisely. It’s worth it.

“That money talks, I’ll not deny. I heard it once, it said ‘Goodbye’.” – Richard Armour,  1906-1989, American Poet and Author

Drawing and commentary © Marty Coleman 2017

Money Problems #4


Your Mind Torn

When you are ‘torn up’ about something in life, what is it that really is torn? It’s your mind. For example, I have a friend who has fallen in love with a married man. Her mind and heart are torn.  She thinks everything of this man and so she is willing to do everything for him, including risking destroying herself.

Your Focus is your Reality

What you focus on in life is what is real, even when it’s not.  Spending your life focused on the existence of Bigfoot doesn’t make Bigfoot real.  It makes your pursuit of him real.

Believing Untruth

Believing money will do everything for you in life doesn’t mean it’s true (it’s not).  It means you will do everything (and anything) for money without regard for your own (and others) health, safety and well-being.

The questions you have to ask are:

  • Why do I think it’s true even though it’s proven to be false?
  • What do I gain from believing it?

Answer those and you are on your way to a more balanced way of thinking about money (or anything else for that matter).

Drawing and commentary © 2015 Marty Coleman |

Quote by Voltaire, 1694-1778, French writer, historian and philosopher




Money Problems #3


This drawing is available, original or print.  Email me at to inquire.

Money or Sex

Is this about money or is it about sex?  When I was drawing it live on Periscope the #napkinkin talked a lot more about what it says about sex than what it says about money. Maybe they just aren’t that different?


Drawing © 2015 Marty Coleman |

Quote by James Baldwin, 1924-1987, American author


You can watch the creation of the drawing and the guessing of the quote on the Periscope replay.

Money Problems #2

Have you ever heard the quote, “Wherever you go, there you are.”?  This quote is similar only having to do with money. In other words, you can have all the money in the world but it’s still you in control of it. And if you aren’t competent at controlling your money you will wreck it, surely as you will wreck a car.



This drawing (and the entire Money series) is available for purchase (original or print). Please contact me at if you are interested.


College of Money

When I was young we were a pretty wealthy family. Nice homes, cars, boats, vacations, even airplanes.  But through a series of events, both personal and global, we had to downsize to a much more middle class existence.  That included not being able to afford the college I was going to and me going out on my own.  I regrouped and eventually went back to college on my own dime.  That was the start of my college education in learning how to deal with money.

Masters of Money

I eventually got married and the family I married into was very different than my own. They were quite frugal and responsible with their money.  They planned, invested, planned and invested some more. They budgeted, they prioritized, they delayed gratification. They judged the need vs the want. Marrying into that family was the graduate school of my education about how to deal with money.

Ph.D in Money

Later still I got divorced.  We had just finally gotten out of debt from a move, a job change, and the raising of 3 kids.  But the divorce had blown all that out of the water and I was back in debt.  It took me many years to get back on track. That was my Ph.D. into how to deal with money.

Real Life in Money

How do you deal with money? Are you learning from the events of your life? Have you figured out what works and what doesn’t? Have you changed habits, ways of thinking, attitudes?  What is the number one lesson you have learned? Let us know and maybe it will become a new drawing in the series!

Drawing and commentary © 2015 Marty Coleman |

Quote by Ayn Rand, 1905-1982, Russian-born American Novelist and Philosopher


You can see the creation of this drawing by watching a replay of my Periscope live video. Watching on Periscope allows you to interact with me live as I draw. It can be a lot of fun! If you would like to follow me on Periscope I am @thenapkindad.



Money Problems #1


A Question

Is this true or false? We had a long discussion about it yesterday, trying to come up examples of money solving problems that could not be traced back to actually be a money problem.  We covered health, relationships, poverty, and more. We couldn’t find one.  What do you think? Can you find a problem that money solves that isn’t in the end, about money?

Original drawing or prints are available – Please contact me at to find out more.


Drawing and commentary © 2015 Marty Coleman |


Subscribe and Join TheNapkin Kin

Get on the mailing list and get The Napkin Newsletter once a month and get a review of the months postings, with extra resources and features that will make your brain bigger and your day better!


Thanks, You Are Now A Napkin Kin!

%d bloggers like this: