Maybe certain people are wired to think this way at a young age. But somehow I believe in some kind of fate. If time is not "ripe", you can never see the truth. When the time is right, it is like somebody turn on the switch, your perception changes instantly, and you begin to wonder how you could be so naive before. Sometimes I feel you can "blame" people that they are not proactive, spend so much, no planning etc. They are pre-programmed to be a bit slow. It is not their fault. Sometimes, they will realise they are wrong and begin to correct themselves. Other times, they just remain as they are because they are born this way. They are born to be average, which is better than born to be poor or stupid. Everything is perfect, just the way it is.

Everybody is born with different intelligence. The level of intelligence, together with innate character will determine a person's financial future. You cannot force a person to improve beyond their given capability. Some have the intelligence but the time is not right. Given some time, through the test of time, experiences are gained, and the possibility of improvement present itself. If you accept the fact that not everybody has the ability to excel in any field, then you must accept the fact that people are not born equal and that differences in intelligence, capability and "fate" exist. These are not their faults and cannot be corrected. They can certainly improve but not everybody will excel or become above average. If everybody can become above average, they will become average again. Think about it. I respect your view. You may consider to see my point of view.

As long as you have a healthy body and decent IQ, count yourself lucky. Most of the older generation come from poor family. They have to work long hours and food is not abundant. Look at all the interviews with all the billionaires, most will talk about their hardships during younger days. To me, as long as one is physically fit, there is no hardships. Human beings can endure all kinds of things. My respect only goes to those who are physically challenged or has debilitating illness and still managed to survive and fluorish. What so hard about working 2 jobs and sleeping 4 hours a day? To those physically handicapped, they would LOVE to have a healthy body to be able to work 2 jobs and sleep even 2 hours.

My point is, count yourself lucky to be physically fit and healthy and also has above average financial IQ. Without these 2 things, it is very hard for you to achieve what you want. I am of the view that some are are more mentally endowed compared to others, just like some are physically more healthy than others. It is in their genes. The mental gift or lacking thereof is harder to notice. If you are not born with an intellectual mind, it is harder to come out ahead financially. Not everybody can see things so clearly at a young age. Do not blame those who failed to see it. It is not their fault. It is in their genes. For those who come to this board to read this topic, you are not one of those. You are capable of improving simply because visiting this forum is a sign of your awareness in this respect.