In most EU countries the letter you'd need to write is very different since, as long as you have a decent job, you'll get a decent pension which will allow you to live comfortably as long as you own property by the time you retire.
Reading some of those letters made me realise how different risks families have and take in the US and the EU.
Reading some of those letters made me realise how different risks families have and take in the US and the EU.