[Rick Lee]

People who work and earn a good living but who overextend themselves are a whole different demographic than what I deal with. Those folks may not have much net worth, but they have jobs, healthy incomes, probably some retirement savings and they will stay working for a long time. The people I deal with, when it comes to life decisions, they got it wrong every single time. Hell, I get some of them wrong, but I try to make the right decision. These folks never get it right. Live like that for 50+ years and the bad decisions start to catch up with you.