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Message: <blockquote data-quote="T. MIKE SMITH" data-source="post: 4314682" data-attributes="member: 44552">When you desire to start applying all that stuff your moma told you- I'm next to the last of 7 kids- she was 40 when I was born- she was 2nd of 10 and mostly helped her mom raise kids from a young age. Her dad sent her to a year of college as she wanted to be a nurse. She met and ran off with my dad at 20 in the middle of the depression. they raked and scrapped at every turn to make it. I might have thought I was grown at 18, but I was about 40 before it hit me- you're going to die broke if you don't get serious about saving- I did and maybe I can make it now. The right of passage happens when you make it happen.</blockquote>