Yellowjacket, I love the banter, and I don't get riled up about it at all! Keep it coming. That's how I seem to learn from others... lots of communication of all kinds.
Just save a lot of money and stay out of debt in your youth! That way, you can relax as you age and not worry about money... and you can enjoy the miracle of compounded interest, which gets really miraculous in those last years!