I've been through ups and downs, so I could appreciate how sound your advice is. However, it will not save more than one or two out of a hundred - especially if the readers are young

My father used to tell me that you have to become bankrupt at least twice before you can become wealthy and consider yourself rich. Before that, even if you make millions, you are still potentially poor, as you will be impressed by how clever you are and you will not know (from experience) that it is easier to lose all than it seems possible.