rick0 - I wasn't having a go. What I meant is that a lot of people on here will not listen to well meant advice from people who have been in the industry for a long time and have a good understanding of what’s taking place. So many people seem happy to blunder on in and worry about the consequences later.
There is quite a bit of detailed information related to the industry out there. Takes a bit of digging to get to it. I am fortunate that a lot of relevant stuff is posted for me to read on my union/company forums. There is also a lot of info in industry/union publications etc. This means that wanabees don't get access to the same info we have and therefore may not fully understand what is happening inside the industry. That is not your fault!!
Because we understand that we are provided with more detailed information we then try to offer advice based on our knowledge of said information. It then gets ignored because people who don't have access to the information don't realise that their mental model is fundamentally flawed!
My point is so many people are making a huge financial decision without really truly understanding what’s going on at the moment. It wasn't really aimed at you (try and guess who it was aimed at)!
Anyway I'm off to try and save fuel now to keep my company in business!