Be cold or no emotion, when talk about money. Only Logic...

We need to take full authority in our money. That's mean

We need to keep track of our money tightly
We need to have full authority to move our money whenever we want.
We need to know what happen all the time or have access to know what happen all the time.
We need to have alternative way to track or verify our money.
We need to have right to hire an independent parties to protect our interest.

Whenever talk about money, we need to be cold, be cautious, be very logic.
Emotional will enable others to take advantage on us.
Friendship, sympathy, relationship, etc is common tactics used by con man.
Cold is 1st barrier i know to protect ourselves, follow by knowledge and logic in subsequent barrier.