About Suze’s article which I didn’t read, it’s more of the same oversimplified advice people give out I know. It’s too late for my 50’s for anything I “shouldn’t” have done. I’m already in the poorhouse. 
We put too much emphasis on individual responsibility here. I’m sick of hearing what YOU can do to get better sleep, lose weight, have a comfortable retirement, avoid being scammed, etc. There’s only so much once can do. And our system is far from equal…..
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