Dear Raphael,

Times are tough... your era will be tougher. Money is one of the few important things that you must have in life. Just to ensure a better living standards and of course for emergency.

Like fighting for you in court needs cash... going for holidays need cash... depends on location... Going for further studies also need lots of cash.

I really hope that daddy will teach you how to save when i am not around. From what i know of daddy... he seldom plans for future and spends whatever he has. He has a poor hold on his own finances as his priorities are not right. And he always rely on his father to help him out whenever he has money problems. Like the divorce, he definitely uses his mother money and definitely i can 100% confirm that he asked his dad for the cash... that is why he is suing here and there cos he is not the one who is paying for it.

As for me, baby, i am using all my savings just to fight for you... drying up all my resources with the childish acts of your dad which incurred so must extra expenses when the divorce is not even done. Immature and childish. Now, i have to save all over again... for the divorce.. for my master.. for my own house. Lots of things.... but nevertheless, i still do faithfully pay for your insurance since you are born till now.... and put in 100 dollars in your bank account every month incase you need it when you are older... i always do have you in my mind...

Please learn to save.. and try to save whenever you can... so that you can come back to me when you are 12 years old.

I love you lots,

Mommy.