Whirly
Nice reply. By far more encouraging than the others, but without being condescending either.
Personally, I'm of a similar view. However, would LOVE to be that age again, and know what I know now!! (old cliche).
To the young guy in question, I second Whirlys reply; don't lose the dream, but by having a reserve plan, you can ensure it never becomes a nightmare! Best of luck
ariel