### Comment:
Most people here are only retarded with disposable income which is why it's more funny than sad. There are a select few downers that gamble with CC loans, their 401k, or student loans. Those people are retards. There have also been threads asking for income and, if those are at all accurate, a lot of people here make good money.

### REPLY:
Gotcha. I’m pulling 80K at 23 and finally have the means to chuck some coin into the market, but every time I get ready to deposit I just sit back and look at my short term and long term goals and decide not to.

### END.