When I was 8 or 9, I started using bulletin board systems, which was the precursor to the Internet, where you'd dial into... a shared system and shared computers. I've had an email address since the late '80s, when I was 8 or 9 years old, and then I got on the Internet in '93 when it was first starting out.

If you look on Amazon - if you do a search for personal finance, there are literally 20,000 books written on personal finance, and there's no real reason for it. I mean, personal finance is pretty simple.