Yep. The only thing I’ll say in defense of those who won’t is that if they were raised by a single mother who didn’t teach them any values, they are unlikely to even know HOW to work hard, or be careful with their money. These are values that are passed down within the family, and if they didn’t grow up learning them... it will be very difficult for them to figure it out on their own. Most don’t seem to.
We are reaping that whirlwind right now.