This relates to the risk that someone can take, I think it's more of being good in controlling your emotions and calculating the risk that you can take. The more you're good in controlling your emotion, the better risk taking that you can take and more opportunities will come to you because anything that comes, you'll be able to take the risk. About not having money forever, this is applicable for most adults and seniors. We're not going to work forever or if we do, at least we can still work for some light tasks and jobs but do you like to be in that shoe that you'll forever? For me, I'd say 50/50. As long as I want and I can, I'll do but it doesn't look good too that we'll work forever and we'll be forever in the rat race. It's not the dream and kind of life that we want to have when we grow older.