[hwood]

I think lack of money, is the reason for a lot of today\'s problems. People have too much credit for things they can\'t really afford. There is more credit than there is money to pay it back. A lot of today\'s families have to have both people working because they owe too much money, for only one to work. Schools teach very little on how to manage money, and even less on how to invest it. About the most you will get from school now, is how to apply for a job. While that is a good thing to know, more needs to be taught. A lot of people still believe that you show go out and get a good job, and you will be able to work there as long as you want. Today job security is becoming rare. While more and more things are available to be bought, very few are making the money to buy them, \"charge it\". So many people are mortgaging their future years so they can have a little bit now. Most schools and parents teach only the basics of money, and that is because they don\'t know much of it themselves. Just think if a family had a million dollars invested, earning a modest 10% interest paid out every year. Do you think they would have to work as hard as the family with no money saved and the same exact expenses. I don\'t know what all they answers are. I do know that if you have plenty of money to cover your day to day expenses you will generally have less stress than the person who doesn\'t. Also if a family has sufficient money, they wouldn\'t need to spend as much time working. Schools seriously need to start focusing on real life knowledge more, instead of primarily book knowledge. Knowing who fought in the war of 1812, and who shot who to start W.W.I, generally won\'t put food on the table. Having teachers that don\'t like the job they have anymore, doesn\'t help. I remember the few good teachers I had in school, and I also remember having a lot more that should have quit or been fired long before I ever made it to their classes. Don\'t think that the kids of the 40\'s, 50\'s, 60\'s and 70\'s get of the hook either. Many of them have been laid off, down sized, or for some other reasons lost jobs, so pensions no longer grew, or 401 k\'s had to be used to pay the bills while looking for another job. That will leave a lot of them with only social security, and that\'s if they can live long enough to get it after all the age extensions have been added till they can claim it, if it even exists by the time retirement age rolls around. I\'ve ranted too long. The point is, money is not evil, yet lack of it can cause many of the problems, many of us have.