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This is unfortunately so true and a lot of it is societal. The 'rat race' mentality isn't a joke, it's fundamentally American. Most people see nothing wrong with being in debt, for example. The only time it is fiscally acceptable to be in debt is if the interest on the loan is setting you back less than the gains on whatever you're investing the loaned money in -- and that's extremely rare.I see what you're saying and I don't disagree. I do think though, that for some people it might take some doing for them to see their obstacles in such a way. You know, "can't see the forest for the trees".