I agree! Good points. Financial literacy is next on my list, personally (any recommendations?). As charged, it is a utopia I was picturing, but I often like to

I agree! Good points. Financial literacy is next on my list, personally (any recommendations?). As charged, it is a utopia I was picturing, but I often like to mentally dabble in that terrain as I find it can expose potential paths forward. Sure, the envisioned Utopia won't be the actual destination, but its artificial brightness makes bumps that I normally easily miss suddenly salient.