[kamaal]

>>I am happy for them but they don't realize how lucky they are

Well, thats the part where wisdom comes in. No one gets lucky. Some people do. But even those don't get lucky all the time.

If you are making $100K straight out of college. Just understand that its an exceptional period in your life. Be grateful and lock up every single cent into some investments.

Or when reality of life comes to hit in mid-30s. Your best is behind you, you have nothing to show for what you've earned, and whats worse- There is no way of earning it back again.