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I’m baffled at Wikipedia, don’t get me wrong I use Wikipedia too but it can’t never be a reliable source of reference in any of your case study/theory paperwork, you can try I dare you.

“It is never too late...”, that sound inspiring enough until you stumble upon crowd of users who salty about not afford to quit their daily paycheck job. They can’t quit their job because they’re... too late I supposed? Too late to make adjustment, their life is wobbling and at the verge of total collapse, the paycheck is the only strength that keep it afloat, and you tell them to quit and put their life at stake? Yep that’s suck when you’re too late  and you wouldn’t know what to do except working endlessly, you know who are them? I got to know a middle aged civil servant, who work day and night, and he sleeps at internetcafe-cum-capsule-hostel. He has no way of getting out of this cycle of poverty, because whatever money he made immediately get garnished to pay for child support. And the debt grow faster than his paycheck, so he can never get out of the life cycle, paying for his ex-wife for her lavish lifestyle and for HER kids that HE never allowed to see or keep contact.