Humans have spawned some very intelligent individuals, but as a whole, greed defines us. Intelligent people act before it's too late. Intelligent people plan for their future and make the necessary sacrifices to meet their goals. I'm sure you had a plan to meet your financial goals. I had a plan and a goal--to retire at 55, while I was still young enough to do the things I like to do. I made the sacrifices to make it work. None of that will ever happen on a national level. If anything, if the Republicans have their way we will soon be racing towards extinction rather than sleepwalking.