<<So I'm wondering how you know that most people are not disciplined enough. If you are, why wouldn't others be?AM >> My working class neighbor across the street sold off his house to pay off his gambling debts and credit cards --- he even got a couple of thousand dollars back, representing his net worth.He told me he was "starting fresh." At Age 70.A good friend of mine retired early on an underfunded retirement. He's struggling, again at age 70.Then there are all the fifty year old men, and a few women, living as trolls under bridges and such, out out of inoperable RVs and such.You know ---- clues indicating people aren't doing very well. I'm sure most of them xissed a lot of money away over the years.Seattle Pioneer
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