[frgtpsswrdlame]

>Behavior determines successful outcomes far more than circumstances.

Well it sure does for the kind of people who go to Stanford and emerge with no debt. For everyone else circumstance is a heavy weight.

>Even if you earned say... $25k/yr ($12 per hour) for your entire life, you can afford to save $5.5k per year.

...How many people over the age of 30 do you actually know making $12/hr? If you have kids on that kind of wage there is absolutely no room for any saving.

[leifaffles]

Most people make more than $12 an hour, which is great news! Not having kids outside of marriage is something everyone can do as well.

[frgtpsswrdlame]

I don't see the relevance of this reply to my comment.