It's a great article you linked to. From my perspective, If you can you can and if you can't you can't. I am the son of Mexican Immigrant parents who came here with nothing and gave their children values of hard work, honesty and resiliency. But I also know that the world is changing rapidly and economically it's a lot harder for people. I have children in their 30's and many successful clients in their 20's and am in tune to what they are going through