‘Financial wellbeing’ or ‘Financial comfort’ are relative terms, for the purposes of this article, I will define both these terms as “the state or condition in which a person has the ability to comfortably enjoy the minimum standard of life and general well-being “, whilst the term ‘Financial success’ would essentially refer to a position that exceeds financial comfort/wellbeing. I am going to argue that we achieve Financial wellbeing or success largely as the results of three major aspects: circumstances, opportunities and genes, none of which we can truly take any credit for. “Understanding that you can’t truly take credit for your successes nor truly blame others for their failures, will humble you and make you more compassionate. Empathy is intuitive but is also something you can work on intellectually.” – Tim Minchin That brings me to the point of this article. The pride we take in our successes often breeds selfishness. I have hopefully convincingly shown above that there usually exists very little (if any) justifiable basis for taking credit for our own financial comfort/success, we are not deserving of our comfort/success, and those who find themselves in poverty, are usually no more deserving of their situations. Despite natural empathy for the poor we remain selfish, and charity seldom comes as naturally to us as it could, mainly because we deny that we’ve been dealt a lucky hand and we cling to the idea that we have earned or deserve our financial comfort/success. Hopefully we can change the way we think about financial wellbeing, in order to create a society where everyone is afforded the ability to comfortably enjoy the minimum standard of life.