Sunday Sitcom - The big bang theory, season 3 - episode 16
When Wolowitz finds the stack of checks in Sheldon's drawer and wonders why he hasn't cashed them, Sheldon explains that he's saving them to purchase items that have yet to be invented and doesn't trust banks. But just keeping them in his drawer doesn't do anything, because checks are voided after a set period of time (usually between six months and a year) and they would eventually become worthless.
The smartest person in the history of television is not the best at his money skills. This is a general mistake people do if you are the best doctor, best engineer, best designer - it does not make best with money. It is a skill that you learn and an attitude that you develop.
If you are waiting for it to come to you suddenly at 30 or 35, you are mistaken.
Learn. Grow. Develop