Peter:

You are quite myopic. What you are saying is that if a hypothetical person dropped out of high school to support younger family members, that this person would be a lousy money manager. This person would probably be only to get a job that paid close to minimum wage, unless it was a high risk job. If this hypothetical person was able to support their younger siblings and support them through high school, then this person would be a lousy money manager?

Let's look at another person, but in real life. A new teacher in Fairfax County Virginia would make $38K per year. The average salary in Fairfax County is in excess of $80K. This person would be considered poor, as the person would be hard pressed to live in Fairfax County. Would this person be necessarily a lousy money manager.

Guess all of the people in this world do not have the insight of a true Texan.