Very cool 

 I’m not familiar with that quote but have something similar hung on my fridge which says:

Your lecture saved me: 
Malcolm Berko
Staff WriterErie Times-News

Dear Mr. Berko: In 1992, the Jonesboro Sun invited you to speak to its readers. And so did Arkansas State because I remember my dismay when you were introduced to our classroom, and several other classes, too. My classmates and I didn't want to listen to some old guy talk about the stock market, but none of us had the guts to leave the room. Because of your comments, my husband and I own a successful insurance agency in Indianapolis, and I owe my success to you. You gave our class some numbers, telling us that when we retire at 65 only one of us would be financially successful. The numbers scared me. We would like to share that same message with our two children. -- SA: Indianapolis, Ind.

Dear SA: Holy Moses, Mary and Methuselah that was so long ago, the Bible on my hotel room bed stand was a first edition. I remember the class. Here's a truncated version of what I said:

There were 68 students in your class, and I said that in 45 years (2037), when most of you reach 65, some 16 of you won't make it. You'll be either dead or in jail. "Go ahead and look around because you may be one of the jailed." That got their attention.

Here's the breakdown:

- By 2037, when you reach 65, some 18 of you will be living in penury and "won't have a pot to cook in." You've been unemployed for years and don't care. You'll be dependent on federal and state welfare programs for housing assistance, food stamps and pity from family and friends.

- At age 65, some 25 of you will be considered precariat retirees. You will need government help, many of you will try to work part time. You will need government subsidies for food, housing and utility bills. Your retirement years will be gray, empty and penniless.

- Five of you will end up as lower-middle class retirees with barely enough income covering your needs. Your pension and Social Security won't be sufficient.

- Only four of you will have the resolve to retire in middle-class comfort. Pensions, Social Security and savings are just enough to cover your activities. You'll be watching your dollars, but you'll dine out occasionally at Olive Garden and take church-sponsored vacations. However, repair bills like a new roof or replacing an A/C could be impossible.

- Only one of you will have the drive and commitment to retire in pleasant upper-middle class comfort with enough income to enjoy retirement with your family, new cars or life's better amenities.

- Only 0.91 percent of the population will have the skill and ambition to retire wealthy.

https://www.goerie.com/story/business/2016/02/17/your-lecture-saved-me-malcolm/25062808007/