Ah, if we could all have your sunny outlook. Your kids seem to have already taken the advice I'm recommending, thanks to your perhaps lucky stars. But many kids are struggling and need some reassurance and support. My word about billionaires; I don't begrudge people lots of money. I just don't think they should cheat on paying their taxes, essentially bribe politicians to enact laws that make it possible for them to cheat legally on their taxes, and in general refuse to pay their fair share, leaving it up to the rest of us to make up for what they refuse to contribute. The wealthiest would still be billionaires if they paid their fair share.