The future isn't written in the stars. There are no guarantees. So claim your adulthood. Be intentional. Get to work. Pick your family. Do the math. Make your own certainty. Don't be defined by what you didn't know or didn't do.
A lot of people think if you just had more process and more compliance- checks and double-checks and so forth-you could create a better world.We just try to operate in a seamless web of deserved trust and be careful of whom we trust.