What can I tell you that will actually sink into your thick skulls... You are being setup to fail. They don't want you to have babies or grow rich. If the cigarettes don't get you, then the Coke will. Otherwise it'll be that car that made you forget what your legs are for. If not that, at least you'll pay insurance for 20 years before you try to claim and find out you're not really covered for that. And if you don't regularly convert your cash into hard assets (that can maintain their value), you can count on regular financial collapses that will decimate your savings at least a couple of times in your life. You will never succeed until you get angry and start looking at your closest friends as your enemies (because they're the ones who don't care about you - the rest of us don't even know you exist!)

Have a nice day.