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Sorry, "Your experience matches MINE."
"I was privileged to have parents who thought parenting involved developing children into adults: working is good and responsibilities are to be taken seriously." Amen. Your experience matches yours. Some months ago, in another discussion of this "privilege" issue, I read a comment very similar to yours. Someone promptly replied, "Well, that means that you won the parent lottery." Just one more thing you and I should feel guilty about, I guess...
In response to:

Dave Says It's Matt's Universe, Not Dave's

Judy461 Wrote: Aug 04, 2012 11:00 PM
"My husband and I both use our credit card for all purchases. ... Plus, we get "reward points" when we use the credit cards and I purchase gift cards with the points for birthdays, etc." Same here. For $20 in points we get a $25 gift card from an office-supply store and use it to buy supplies & equipment for our small business.
In response to:

Dave Says No to L.A. Story

Judy461 Wrote: Jun 12, 2012 11:09 AM
"Student loans should be made by the institution of learning, with no government backing. How many worthless degrees would a university or college be willing to loan money on that they know will not provide a job that will allow for the graduate to pay the debt incurred? Can you imagine the look on little Billy's face when the college loan department tell him no, because he won't be getting a job with a degree in Urban Studies." Agreed. Here's another idea: The student doesn't pay back the loan. Instead, he signs a contract assigning 1% of his gross income to the college...FOREVER. Under this plan, how long would it take for a college to become financially independent, with no need for state or federal subsidies?
In response to:

Dave Says No to L.A. Story

Judy461 Wrote: Jun 12, 2012 10:59 AM
Statistics compiled by Northwestern University when my son started there in 1990 indicated that 15 hours or less of work weekly had no adverse effect on the student's GPA. That said, it depends on the student. I was a junior in college when a great teacher tripped my trigger, so to speak. I changed majors and of course had to make up lost time. I literally resented the time I had to spend eating and sleeping. Student loans and parental assistance gave me the great luxury of devoting myself fully to my studies. Grad school was different. Teaching two classes and carrying a full load of graduate courses is a pretty efficient way of putting yourself in the hospital. I didn't get full benefit from the courses I took.
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