[Mr. K]

So you think nothing extra-ordinary happens?

[the invisib1e hand]

So you think nothing extra-ordinary happens?

You're being presumptuous. It's clear that "thinking" never entered the process.

[SMARTY]

I say, bank on the fact that the extraordinary happens... a lot of what is unfortunate and unpleasant in life is avoidable if you use some common sense and plan ahead when and where possible. Young people don't.

That's all.

Dashing out at 16 to bear children; purchasing a home beyond your means instead of renting or living in a modest home until you can AFFORD the one you want; using credit cards to the max; refusing to save, etc. ... these are ill-advised.

Most of the young people I know who are in trouble and the adults I know who are struggling... have done this kind of thing with their finances. They do NOT discipline themselves, they do NOT deny themselves a thing.

Trouble is coming ... you STILL take a vacation? You STILL replace your car? You STILL use your charge card for all and sundry? You STILL remodel your kitchen?

He&^ I'd be hurting too if I was so reckless and selfish.