The very next thing you need to be doing is the thing that terrifies you the most.
You seem to think that everyone can save money if they have the character to do it. As a matter of fact, there are innumerable people who have a wide choice between saving and giving their children the best possible opportunities. The decision is usually in favor of the children.
We must do that which we think we cannot.
Be flexible, but stick to your principles.
Unused ability, like unused muscles, will atrophy.
I feel quite sure that what the American people lack is knowledge.