I can think of two people in my life like that right off the bat. One was my g/f for nearly two years. She was then earning $80,000 + as an in-house writer for Pharma companies. This was the mid-eighties so it would be the equivalent of much, much more today.
She spent every single dime, and not only that, but often somehow ended up in financial trouble! At one point towards the end of our relationship, she was seriously up against it. Her company downsized her with a very generous severance package which she proceeded to go through like a house afire long before she got another job. So she turned to me. I lent her serious money, like 5 figures serious (I've always been a saver and financially prudent.)
No rigid time frame for payback, but the one thing I asked of her was that she replace the lost interest that I would forgo on this. She flat out refused, saying friends didn't charge friends interest. So, eh, I didn't.
And that was ok enough. She was one ton of fun, and ranks up there with the best sex I've ever had, and I'm a tad experienced in that department.
She was also generous to a fault with everyone, and that, of course, included me. She organized a huge, lush, catered with open bar surprise b-day bash for me and invited all my friends, and I have huge overlapping circles of friends! She also twice bought me uber-extravagant Christmas presents that there was no way I was ever going to completely match. So, all in all, she was a good deal!
It would just blow my mind how she could end up burning through her money so quickly. Some of it went to past debts, true, but there was still more than enough for her to make her way if she had cared to at all.
People like that amaze me. I have never wanted to end up bent over and owing with little or no recourse. Never!
Another close female friend just does what the hell she wants and somehow always ends up on her feet. Example: She moved back from New Mexico to help with her aging parents. Then her car is totaled in an accident, and she gets like $5,000 for the older Hyundai that it was.
What does she do? She decides to heed her inner voice that she must go to Wales. Now, mind you, she doesn't really know anyone in Wales, she just feels that spiritually she must go there and talk with the Druids, I don't know!
So she blithely spends most ALL of that money on going there and traveling around on her own. She's a real hardy traveler that way, just like I am, or was.
So she comes back nearly penniless and car-less to our still slightly rural suburbia, where you are marooned like a Maroon without a vehicle, and just manifests a series of vehicles that are given to her!
She is now living on my friend's farm (a tres cool old stone Bucks County farmhouse) and doing her thing, which involves being a paid chaplain in a couple of nursing homes and doing massage on the side (she's very good -- hands STRONG like Stalin!)
She had a fairly nice Chevy pick-up that someone had given her but she totalled THAT in the wilds of NJ on her longish way to work one day. She got by in the meantime alternately borrowing her current b/f's car and the cars of two other female friends.
And I just heard from another female friend that her (this other friend of mine's) b/f's father died, leaving an old but quite serviceable Buick, and that, of course, they're giving it to Cindy!
Fearless or feckless? A little of both, I guess, but it seems to work for her.
Part of me really admires the fearless portion of both of these women's approach.
After all, you're a long time dead.
It just ain't for me, is all.