Yes, the first part was directed at you because you're the one who made me think of this topic and it's your post. The end became far more general and may not apply to you so I stated that. I have no reason to cover my ass. I don't care if you or anyone else take anything from my thoughts or not. It doesn't change my reality. I'm good financially and just wanted to share what's worked for me in case someone can benefit. Try it or don't. I don't care. And calling out my sex in place of my actual thoughts is weak as fuck. Funny enough, I actually learned a lot about good financial health from my wife who was far better with money when we met. Nice try though. Peace.