You got that 100% correct! It's astonishing that school didn't teach us to open a bank account, or how the REAL world works. It's a sadly corrupt world when you've worked your whole life and still live paycheck to paycheck. It's why so many of us have to find alternate ways to make our money.
Exactly @stonesteem! At least we WOKE up! So many are still asleep and will unfortunately remain asleep all of their lives. Sad indeed!