That is a pretty insulting comment. Luck does not have anything to do with hard work and ethics. I was dealt a bad hand, a pretty shitty hand. I have qualified for disability since 2 months after I put myself through one of the best private univerities in the 5 state area.
I can pay my debts in cash if needed. Took 20 years of hard work, and teasing from my friends, and sometiee embarrisment to my wife. But if the wheels fall off this sucker, I own my shit. It was not by luck.
LOL, take it any way you want. All the hard work and ethics in the world won't help if the company you work for up and moves to Mexico/China/Malaysia. All the degrees from private universities won't help if the industry in which you work takes a nose-dive due to nothing YOU had to do with other than choose it as your particular field of expertise.
There are plenty of people out there who worked their butts off, with no help from anyone else and who got stuck holding the short end of the stick.
Are you insinuating that the people who have lost their homes and their livelihoods are not hard workers? Are you suggesting that all they had to do to fully own their homes outright was work harder and, perhaps, go to a private school? That perhaps their lesser educations were the cause of their problems? Perhaps their wives weren't as embarrassed
with them, but should have been?
And, while you claim that you own your home outright, what happens if you miss a property tax payment? Or are the rest of us just idiots for living in places that have property tax?
There are factors beyond people's control that happen to them. I consider myself extremely lucky. Up until recently, I had two homes that were paid for, with the exception of annual property taxes (both were destroyed during wildfires, this year, I am taking on a bit of additional, temporary debt to upgrade the rebuilt homes). I have advanced degrees (oh, by the way. . .I took absolutely NO loans for them. . .I worked while I studied and used all (and more) of my GI Bill and College Fund), I know how to network. I chose areas of study which have very low chances of collapsing in the future and are not specifically dependent upon the state of the economy. I got good jobs, early on. I took several private contracts during the late unpleasantness to fund further education and the creation of several income generators. Oh, and just for full disclosure, I am considered disabled by the VA because of some of my misadventures.
Have I worked hard? Arguable. Probably not as hard as my father, definitely not as hard as my Grandfather. Do I have good work ethics? My former employers would say so, as does my current employer which recently approved a dream job for me.
We do know, through your own assertions that you are a hard worker and have great work ethics. However, for every one of you, there are scores of others who work just as hard and have ethics that are on par with your high levels, but fate has dealt them a bad hand this time around. Some will survive, some will not , some will overcome and some will BE overcome. . .even those with great work ethics and who are hard workers.
Moreover, there are millions who are still in the middle of their mortgages who are working 2, 3 or even 4 jobs to pay their mortgage, keep the lights on , keep their kids fed and pay their taxes because this economy is in a "temporary downturn" through no fault of their own.
Oh, wait. . .they should work HARDER and, perhaps, take a few advanced ethics classes from a private university, right?
Be insulted. I don't really care. There are others who have suffered greater insults than being less lucky than you are.