Great write up and I agree, but I think it's really tough because everything is staked against you our school system fails to teach up about finances and law even though we are expected to abide by the rules but they don't even teach about taxes, but I think it's important to not use that as an excuse and instead better yourself and learn the things you need to have a successful life, and with the internet most the resources are there and are free
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Of course, we must improve ourselves through books and the Internet