Just like eggs, fats, sex and wine...experts have loads of differing advise.

LAPD issued him a big fat ticket for wasting their time and told him if he calls again more tickets were coming.  

Thankfully, most people learn this by their 30s or 40s, some never do.Typically your genes come from your parents.

@Gene Fish"can't save your way to wealth" .

A big, fat, happy California Public Pension paycheck every month for the rest of my life and a 39 unit apartment complex with a monthly mortgage smaller than The Grinch's tiny, shriveled up heart. 

If you have even a single passive investor (limited partner), you are selling security and this activity requires to have proper documentation (PPM, Subscription Agreement, Operating Agreement, Form-D with SEC).I am not a lawyer but I read Gene Trowbridge's book "It's a Whole New Business" where he explains these things in great details.Please contact a securities lawyer to get clarification of whether or not family and friends are exempt from syndication.

Now, even poor people are fat, waste food, have the internet, have a car, have Air Conditioning, live in bigger houses, everybody has access to electricity, gas is relatively cheap, we have an Over Supply of Oil, roads are relatively well kept, tires last longer, instead of a car going 100,000 miles they go 300,000 miles, clothing is almost free at 2nd hand stores, bundles of clothes are shipped over seas because they can't be sold here, everybody has a gadget that fits in their pocket that gives them instant access to anybody in the world by entering a phone number or email address or URL, can play 1,000s of songs, and has far more compute power than what it took to put men on the moon. 

@Fradel Schaechter  Interestingly, I have never opened a savings account, but my wife is a big proponent of saving.I cringe at the idea of the bank deploying my capital to earn fat returns while giving 0.05% peanuts as interest. 

Originally posted by @Gene Hacker: Do you live in California?

I think I missed out on the gambling gene.