First of all, this is really hard to understand for such people... but it's so true. I'm now 19 years old and thought the same thing like you told in this post. We are here in steemit to do the same, we want to share our babysteps in investing and want to share our knowledge about this things. We hope that we may can help other people out of the rat race with our blog. And for all it will be a big project to follow the way out of the rat race.