It really does. I guess that is why one of the options I am considering is to just stop playing the game. I retired early. I have no debts. I am ready to pay for my “last” new vehicle with cash...and simply fall off the rock so far as playing with the government.
Keep on the better path and grow closer to God each day.
This is also encouragement for the young.
Do the best you can with what you have where you are.