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<blockquote data-quote="Oldfart" data-source="post: 3067352" data-attributes="member: 64407">I never said everybody caused their own money issues,&nbsp; but aside from health issues, most people&#039;s problems are their own making and their decisions put them in that spot.Gather 20 FT couriers in a room.&nbsp; While all make a variety of different wages depending on their seniority, they all make a decent salary.&nbsp; 15 of those couriers most likely are broke and stay broke.&nbsp; Live week to week and couldn&#039;t come up with $3k cash if their life depended on it.&nbsp; 10 of those couriers are driving vehicles they can&#039;t afford, living in houses or apts. that take too much of their take home pay and have every video system and game that has come out in the last 15 years. They have an ex-wife or two or kids with several women. They contribute nothing or very little into the 401k and will remain broke forever. They live way beyond their means and even if they were given a 25% raise,&nbsp; would remain broke.&nbsp; Their choices put them in that situation.&nbsp;&nbsp; There are exceptions but every choice has a consequence.&nbsp; The bad choices you make early in life in many instances will affect your quality of life forever.&nbsp; You can&#039;t wake up 1 day and decide you want to have a nice retirement nest egg. You have to make that decision early in your working career and make the sacrifices necessary for that to happen.</blockquote>

[QUOTE="Oldfart, post: 3067352, member: 64407"] I never said everybody caused their own money issues, but aside from health issues, most people's problems are their own making and their decisions put them in that spot. Gather 20 FT couriers in a room. While all make a variety of different wages depending on their seniority, they all make a decent salary. 15 of those couriers most likely are broke and stay broke. Live week to week and couldn't come up with $3k cash if their life depended on it. 10 of those couriers are driving vehicles they can't afford, living in houses or apts. that take too much of their take home pay and have every video system and game that has come out in the last 15 years. They have an ex-wife or two or kids with several women. They contribute nothing or very little into the 401k and will remain broke forever. They live way beyond their means and even if they were given a 25% raise, would remain broke. Their choices put them in that situation. There are exceptions but every choice has a consequence. The bad choices you make early in life in many instances will affect your quality of life forever. You can't wake up 1 day and decide you want to have a nice retirement nest egg. You have to make that decision early in your working career and make the sacrifices necessary for that to happen. [/QUOTE]

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