[Rick Lee]

I work with the demographic this kid is heading toward. I call them the willfully poor and I maintain that I have not yet met a poor person who got poor by accident. It's a lifetime of cascading bad decisions. This kid is young enough to change his ways. Once he's mid- or late-career, he will never even think of changing and he will be permanently poor.

I meet people every day who live on nothing more than SS, smoke a pack a day and say, even though they really, really want life insurance, well, they're gonna wait. Wait for what? Until it's cheaper? They're richer? They change their lifestyle? Go back to work and make more money?