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Remember Aesop's fable about the ant and the grasshopper?
The ant toils daily, makes sacrifices (no luxury vacations in far-flung colonies), scrimps and saves to send his larvae to college and retire. He struggles to manage and properly diversify his crumbs, tries to take appropriate risk (foraging just far enough from the nest to get results without getting devoured), and hopes the queen ant doesn't tax his stash into oblivion.
The grasshopper, meanwhile, plays his fiddle, replaces his molting exoskeleton with one by Prada every season, ignores his 401(k) plan, buys an alfalfa pasture with no money down and a subprime mortgage, and hops away when the interest rate readjusts.
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