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Great read. Keep em comin!

I feel for you, BUT, were you not a Party to the "fiddle" if you were aware of it.

If you could not, or would not, provide for your Retirement the Tax Payer funded Pension is available as a Benefit. I accept the fact that my Taxes assist, this is how it should be.

Why would you?

Why would any thinking Person bring Children into the world if you have difficulty in Housing and Feeding them???

Hmm! Missed the "Facts Sheet" by a Mile......and a bit.

Who promised a Mortgage Free Retirement? We are in control of our destiny. The decisions we make as we move through time result in where we are today. If the plan is "Cross your fingers" well, good luck.

As a Retired Banker and Financial Planner, I have been aware of VERY dubious practices in completing Loan applications for many years. However these practices are carried out mainly by Finance Brokers who "fiffdle" Assets/Liabilities and Income/Expenditure figures in an endeavor to obtain Bank...

I would have reasoned that an open and motorized mode of transport for road use, with brakes only would be regulated to mandatory Helmet for Driver, Front and Rear Lights, Turn Indicators and with the Legal requirement of Registration and Insurance. Surely, this is an absolute necessity.

I would handball the problem back to Parenting, or lack thereof!

Now THATS a great way to start the Day. Hot, Nutritious good for the Sniffles. Oh Yeah!

Do they NOT have Head and Tail Lights plus Turn Indicators?

As a Youth, my Brother, had Pigeons to race and when they got too old, Mum used to slow bake a full Oven tray of them. They were beaut for School Lunches but you needed a couple to eat. Delicious.

The sky is falling!!!

Where is/are the Childrens Father/Fathers? Surely there is responsibility here.

Correct. NO Asset backing at all. COMPLETELY dependent on continuing purchases. As a Retired Financial Planner, do not touch.

I understand....but... Banks will be closed and ATMs won't work in an outage. Where do we get the Cash?

That grand old institution is dying out, it is called a "Family". You know, when you had a Dad and Mum, Brothers and Sisters and The Brothers and Sisters of Dad and Mum were Uncles and Aunt with Kids that were your Nephews and Nieces. Grandparents loved and were loved. Now there are Kids know...

Sherril54 please read this. In your circle of Friends/Family there is surely, someone that could assist. Do try and learn.

How do you spell " a hungry horse' in 4 letters? MTGG!!