[war1025]

You can only get downvoted on a post to -4, fyi. I stopped caring nearly as much about being agreeable once I learned that.

For what it's worth, congrats on what you did. I'm in a similar position and I completely agree that for the majority of people here it wouldn't take anything beyond stopping making bad choices.

[dkersten]

> I stopped caring nearly as much about being agreeable once I learned that.

The score is just some meaningless internet dick measuring, so why care at all?

[war1025]

Psychological junk, you know.

[imtringued]

If staying in my home country is a bad decision then nothing will change my mind.

[war1025]

I think it's important to make a distinction here that I didn't think to make initially:

I am not saying "everyone can make hundreds of thousands of dollars per year if they stop being dumb."

What I am trying to say is "Most people can avoid being massively in debt by making better spending decisions."