AFAIK, the issue isn't finding that $10/mo; although I'd still definitely agree that financial education is underestimated; I'd certainly love to have had a lot

AFAIK, the issue isn't finding that $10/mo; although I'd still definitely agree that financial education is underestimated; I'd certainly love to have had a lot more! But, AFAIK - The issue is when something goes wrong, and you have to choose between the gas bill and mom's meds. And then you need to choose between saving that $10/mo for retirement, or for emergencies; or taking what's been saved out of the retirement fund (if that's even possible) because, well, an emergency. Had a colleague have to sell some (most?) of their BTC at $100 to make some student loan payments. As an example.