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It seems like the focus of the article shifts around. Are we talking to affiliates or entreprenuers in gerneral? Nope, now we're talking to the entire U.S. population. Suddenly we're talking about how kids need to be taught about money? In an article about delaying gratification?

There are some good points to be found in the article, but they're only brushed over. The lack of focus just makes the article longer while undercutting the usefulness.