As I said, I agree with taking personal responsibility - I'm not sure why you're still trying to fight me on that.

> You have two options. Continue to point fingers and complain and be broke, or start putting $100/mo in VOO and save what little money you have for your future?

The imaginary person you're trying to give this advice to graduated from university eighteen months ago and has been living in their parents' house ever since, applying for jobs non-stop. Their income is $0 per month. They are entirely unable to apply your advice; applying your advice is something they aspire to.