You started you adult life with education and without being indebted for 20 years? You are a privileged one. That’s just how it is. I am too. That’s just life, but you should have the honesty to recognise that most people don’t have this privilege. They can’t be conservative and plan their life because they don’t have the education or the resources (social or monetary) to do it.

Actually, I was thinking about what I said and that was way more harsh than I should speak to anyone.

I apologize for acting like a jerk. I appreciate what you said and hope you have a good day.

I was being far too sensitive, and that’s on me.