Wisdom
Many people don't want to bear the responsibility of developing themselves as individuals
Don't buy a second car until you buy a second house. It's not cars that make you rich, it's houses that make you rich
If you don't feel good about the future by having goals set you take what we call uncertain steps
No matter what you are acting out some people are way better at it than others. Doesn't matter if it's basketball or hockey or plumbing or law it doesn't matter. As soon as there is something valuable and you are doing it collectively there is a hierarchy