I would add birth circumstances to your pile, somehow. For decades I spent wisely and executed on a plan while donating 10%+ of my gross to the megachurch into

I would add birth circumstances to your pile, somehow. For decades I spent wisely and executed on a plan while donating 10%+ of my gross to the megachurch into which I was born. Everybody in the church, including my parents, said it was an investment. Spoiler: It was not I still wonder how this could have been effectively communicated to me at an earlier age...the church teachings I received were designed to inoculate against outside opinions. When I joined the ranks of leadership myself, I also taught others to pay "God" before paying themselves. By the time I stopped paying, I could have used my own donated funds to retire twice over.