As someone who is decent at math and shit a social interactions I was promised "No really bro, you want to make more money, trust me bro" by persons of authority and then it turns out, no I don't really. Because yeah it turns out doing extra math homework opens more doors, but those doors are all the same and what was behind those doors was never actually explained. If the government says my brain is still developing and that I can't be trusted to vote for the president then surely that same government must admit that I can't be trusted to make informed choices about 40,000 - 200,000 dollar investments. As someone who really wishes that they took your path, I can absolutely attest that I was coerced into making a poor choice early. And while I won't try and deflect that as it ultimately was a choice I made, I was far from informed.