Hey Ramit, I didn't mean to offend you. My apologies if you were. It was the smug attitude that really got me to comment. Still, I stand by my point - there a

Hey Ramit, I didn't mean to offend you. My apologies if you were. It was the smug attitude that really got me to comment. Still, I stand by my point - there are so many ways for people to offer concrete help for people in need and all I'm seeing is one-liner advices being bandied about. Especially considering the fact that Ryan seems to be a reader of your blog and already knows your advice regarding 'being rich'. He was obviously looking for more.