Central banks, government policy, banking system, real estate speculators, little or no financial literacy education in the schools, parents of Millennials, entitlement, socio-economic negative mood... lots of blame and finger pointing to go round. Bottom line, as many others have said, it falls on personal responsibility to make good decisions and sometimes circumstances outside our control force us to make tough decisions to survive - like using 'jingle mail' in Alberta
That's from forum commenter, Don Watson. Do you agree? Disagreed?
