But most of us still face the same challenges most Americans have (job losses, under-employement, medical crisis/bills, living above our means) which shows financial responsibility IS possible - and IMHO is more due to hard work and responsibility than it is to something like "luck".-------------------------------------------------------------I'm sorry. I don't think I understand your comment. Where did I say it was luck?My point was that people who read the Fool, and particularly the personal finance boards, are more likely to have an emergency fund, are more likely to be prepared for hard times, and are more likely to have a better grasp of their finances than the average American. So a poll here wouldn't have the same results that a poll elsewhere (let's say on the ABC site).I didn't mean that it was due to luck. I meant that it was due to more awareness.I have to pipe up to agree with Nancy. A poll posted on the Fool is a sterling example of selection bias.People on the Fool do not represent a cross-section of the general population. They're self-selected, already more interested in finances that someone who's never been on any financial website, and selected further by finding the Fool appealing in some way. I think there used to be people on this board who came here for help but hadn't really figured it out yet, but they were still more interested in fixing their finances than someone who'd never come to a financial board.The recent discussion on this board makes me feel like the board maybe really *is* dead--there aren't any new people coming, or so few as makes no difference. Maybe not dead, but...are we a zombie board?--Booa (sad)
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