Thanks. I think if we do a little math, we can realize that how we live for a few years in our 20s can make a HUGE difference in how we are going to live in our 60s. One need only think about how much interest houng people pay for all kinds of things -- car payments, rent and then house payments, perhaps credit card interest because they had to put furniture and household goods on a card -- saving up money for a few years allows one to reduce or eliminate interest payments. I think it is fair to say that a good chunk of the money earned by the wealthy is coming out of the pockets of struggling young people paying interest on so much. I need to write about this, and shall.