Mandatory B-U-D-G-E-T apps should be installed on ALL of them, programmed to autoload a REAL WORLD reminder twice a month.<quoted text>
What's your confidence level in the current generation of retards glued to their smartphones "paying down any cross-generational debt"? Most of the current crop are morons that cant even look up long enough to cross the street safely......
Maybe then they'd Have to grasp at least SOME reality!!