The preceding bit of wisdom brought to you by my coworker / trainee ... who happens to be 19 years old. He offered this dollop of advice to a few of our other coworkers who, at that time, happened to be in our office lamenting their most-recent batch of personal financial misfortunes. (Again.)
If you can't tell, I've been doing my best to keep him moving in the right direction. He's a quick study. Plus he's young, which means he has no problems saying those things which I would typically keep to myself.
Makes for good, wholesome office entertainment.