wish him well... He wouldn't be the FIRST 20-21 year old who didn't put up with a bit of pain to delay gratification for greater reward later (inn his case, a year later).

I had buddies who were sick of being broke in college and left to get a job..Almost to a man, they regret that decision all these many years later. It cost most of them money (not every one, but most)..Still, Hindsight is always 20/20...

I hope Timmy does well, and he'll still make a big pile of cake!