I am noticing some arrogance being shown by the "haves" as opposed to the "have nots" on here. Reality is that a large percentage of the blowhards in our park either married or inherited their wealth. Job opportunities or the economy in general can make a genius out of the biggest fool or a loser out of some hard working Joe. I made a career choice to line up at the government hog trough, and in less than ten years, I have already received four times what I invested. Beat that investment if you can. Fully paid insurance too, since I retired at 59.