I believe of helping yourself first before helping others. And many people tend to live the norm of helping even if youre poor and struggling and for society accept it. But it took 15 years to understand on so many points you made. I myself struggled and was thought to work hard and not even save, just work hard.

I wish now that many of the school should be teach kids how to save and how credit card works and bankruptcy. heck even divorce system is meant for the rich not for the 99 percent who pays monthly and many moms and dads cant even pay their rent and the brutal law system of society dont care.