I frequently, as a married dude, get reminded of the following very important point: Just because I feel like something should be a particular way doesn't mean

I frequently, as a married dude, get reminded of the following very important point: Just because I feel like something should be a particular way doesn't mean it is. Put another way: Just because you disagree with something personally, does not give you the right, as a well educated, smart, rich person, to look at it for 15 seconds and throw it out as garbage. Every one of us does this all the goddamn time and its intellectually dishonest at best. I know that many of us make reasonably good money. I know that most of us are friends with people of a similar education and income level. This doesn't mean that the reason 69% of Americans have no savings is because they are sagely putting their money in the market or some other better structured investment vehicle. The vast majority of those people are broke.