If you are still in Citibank or any big bank for that matter, you might need to see this
(wallstreetonparade.com)
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I see what you are talking about. You know exactly what's going on.
I had a Charles Dickens character childhood, good with money, but only had jobs, not a career. Self-medicated with weed and suffer A.D.D. from that and/or fetal alcohol syndrome. Also PTSD from witnessing multiple domestic violence perps.
My mom was terrible with her money besides being a drunk, and had a bad taste in men. I try and street council young people with examples from my life, and occasionally I see a spark... Makes it worthwhile.
Thank God you are so kind and you are helping.
God saved me from becoming a Libtard... I love America!
I was a libtard for a while, but I woke up. LOL