Well, thank you, @newageinv. You get what I'm saying. It's odd, too, because I figured out long ago it would take quite a while to get here, not to mention the next level, without some investing. And I've always felt that the more skin you have in the game, the better. The account is handed to us, there's not really any gatekeepers other than ourselves, and of course, we're given before we arrive here these expectations of grandeur that can't possibly materialize. So people think they're going to take off somehow without investing.

Problem is, there are a lot of people here who are scraping by. So, I know I can't solve everyone's problems (I feel fortunate to solve my own), but I still feel it. And I think that's part of all this. I don't want to shut off, but as you say, people need to be more accountable, too. Somehow strike the balance.