i have some sympathy for their situation. i'm not sure i spent my money all that wisely at 21-23 (or 33?) years old and it was .000001% of what they have. plus i had great parents, some good teachers, friends, etc and an accounting degree at the time, where many of these guys haven't done any school work since they were 12 and many don't have the best parents or other outside influences to help them out.