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Poverty.
I'm sure that those rich people over 65 remember being young and poor.
They remember what it was like to face a lack of employment opportunity.
They remember being forced to stay out of the workforce, collecting unemployment for 99 weeks, getting free healthcare, using their smartphones to bemoan the horrible economic conditions to the world while watching cable tv errr... HDTV on their 2 year-old out-of-date plasma; all the while complaining about being overweight because they can't afford a gym membership.
Those rich folk over 65 can probably relate.
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Waiting for the perfect moment is a fruitless endeavor.
Make a decision, and then make it the right one through your actions.
"Whoever watches the wind will not plant; whoever looks at the clouds will not reap." -Ecclesiastes 11:4 (NIV)
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