Hey there michaelochurch. I read through your post and noticed one verse that mentioned that many people do not distinguish between types of drug users. Perhaps you may have already come across the article, but if not, I would recommend Shedler and Block's (1990) article to you.
They also have discussions on personality antecedents to different types of relationships to drugs (abstaining, experimenting, abusing), esp. social anxieties.
This isn't an article on how to get rich. This is an article on how possibly you might not be poor. The rich invest. The poor and the middle-class try to get this thing called careers and earn paychecks. The rich make paychecks and move, create, or destroy careers. Do you want to be a paycheck signer or a paycheck earner? A career seeker or a career maker?
If all you can think about is saving money, then you'll never think about how to use money to lobby congress and entertain foreign officials.
If you want to save money, why not do as the rich? Hire a top-tier wealth manager, and put some of the best accounting firms on your retainer.
They also have discussions on personality antecedents to different types of relationships to drugs (abstaining, experimenting, abusing), esp. social anxieties.