Well, you don't, obviously. But people that don't seem crazy, who are normal and don't ever dare say anything thought-provoking are pretty boring, wouldn't you agree? Of course, you can just ignore me like some others and continue being poor and frustrated. I won't stop you. It's not like you have much to lose. Besides, I won't tell you what to buy or anything. Doing your own research is the only option you have. Listening to anyone about this stuff is a mistake for the most part.