Quote:
Originally Posted by lovcom
Actually, there are in fact times when it is too late.
And this should be the number one reason to use when trying to convince people of creating and staying on a budget.
When someone is 65, with no pot to piss in, nothing in retirement, $40,000+ in CC debt, no career, nothing, it is in fact too late...they have financial cancer and it is nearly always terminal.
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I can see you are quite the optimist. And I'm certain you'll just reply and say you are a realist...but what do YOU say to those individuals with "terminal financial cancer?" Would you advise them to just give up? Saying that it can be, in fact, too late to turn things around IS reality sometimes...but that doesn't account for the amazing things we can do as people.
If your solution is to just give up, I think that says much more about you than any individuals financial situation.