okay, it's not all bad...

I got a bit too carried away on my last rant, the truth is that many in this generation do have their heads on straight. Like my co-worker who told me that he's looking into starting a retirement fund (he's 20). And a friend of mine who judiciously manages a nice portfolio of Wells Fargo stock and a mutual fund. Natalie and I are doing our part, saving about 50% of our income and keeping our hands off our Roth IRA and REIT mutual fund. We graduated college without a lick of debt and with a positive cash flow. Despite the fact that we're uninsurable by the scam artists in the health insurance world, we're doing ok for ourselves. And the solution to so many problems is so simple- live beneath your means. Sure, hard times do hit, but in most cases, saving money and being fiscally conservative are surefire ways to prevent financial catastrophe. The hard part is being conservative when the money is flowing in. But a little bit of self-restraint goes a long way.