T.N.A.C.C.B.P.P. EQ360

I will say this. There are plenty of people that worked hard all their lives,many with education, that were never dopers, alkies, whatever, and get too old to work and have no real saving or retirement plan. Just life and I do not look down on them.
whose fault is that ? they didn't plan for the futur , spent more than they had . it takes discipline and not looking at what others have being happy with what you have . i don't look down on anyone , sure as hell don't feel sorry for them , you make your choices and you have to live with the results