Chris I agree with you 100% on the money management aspect. It does take discipline, foresight and sacrifice but obviously well worth it. Unfortunately, these are the things sadly lacking in portions of the society and are a root cause of their self made problem. There will always be people lacking in skills needed to take care of themselves and for me it’s a question of how much compassion and help we give those that partied life’s opportunities away. We certainly need some kind of safety net for the mentally ill and indigent through no fault of their own whether it be government mandated or private charity…..