Well said. I just read something real similar today, as it continues, that many folks today do not heed this advice! Therefore, we give "handouts".Another BIG piece of advice, the money you save towards retirement in your first 15 years working (20-35 years old) if invested well will go much much further than all the money saved in your next 30 years of working (35-65 years old). That is due to compounded interest. It's better to sacrifice a bit on the front end and enjoy the rewards on the back end.
Sorry, I'm off topic, ,,,