My daughter graduated from college in 1985. She had a very close friend who is still paying off credit cards. They're not academic type debts. This woman is in her mid-30s, has a wonderful job and wonderful earnings, but so much of it goes to paying off her credit cards for debts incurred 15 years ago.

The other fantasy is a wonderful car to drive up to this phenomenal apartment. Does one really need a car? In New York or Boston, a car is a detriment. It's very unglamorous, but public transportation may be an answer for a short while. They need six months to see how their work lives develop. Then they will have a better idea of what they can and cannot afford.

Restraint is very important when one graduates,

One of the biggies is rent,

College ain't so much where you been as how you talk when you get back

Nature does not loathe virtue: it is unaware of its existence.