Nathan, you are providing a very valuable service, which more should avail themselves of - especially the young, and especially in these times!
I wholeheartedly agree that the WBTS keeps their drones perpetually bizzy 'building up treasures in heaven' while giving zero attention to how these poor schleps are going to survive daily in the ever-ending 'present system of things'. Jehovah will provide is the mantra, but heaven help you if you land in dire straits...all your problems are 'inevitably your own fault' and any hope you ever had of the 'brothers coming to your aid' are quickly dashed. The last time I heard the comfortably cushioned CO drone on about retirement planning being 'false reasoning' and the need for shift-working brothers to find alternate employment so as not to miss meetings, I decided enough was enough. At least the Christian radio programs out there offer some kind of financial planning information to their adherents. The WBTS is too lazy to even assist in that meagre way. They just want YOUR MONEY, is all.
So I just wanted to express my appreciation for your efforts. I've learned something new today - how to ladder CDs. Thank you!