Yes, the bottom line is to stay in control of where one has put their true wealth, and not let one's current debt overwhelm one's entire future by getting out of control.
Never too late to do good.
By the way, wealth is also in knowledge and skills, in any domain.
That's what people also need to wake up to, and not let big govt decide with its depressing welfare SCAMs either.
The markets always prevail eventually, including the black ones, when that needs be...
"Cyril" pronounced "see real". I code stuff. I care quite a bit about language.
Did you know? 1,299,830,899,481 can be factored in no more than 55,655 steps.