I am so glad I no longer have to deal with people like this on a daily basis. This video isn't that far off.
I did help a friend walk through some planning this past weekend though. This first minute of the video gave me flashbacks. Its amazing- to me at least- that people can have such little care for their money. They work hard each day and never take some simple steps to make sure their work pays off in the long term. And yes, there are some simple steps you can take that ensure it pays off.