Another suggestion to number one is not having so many people learn in kollel. The Gemara in Chagigah says that Hashem cries for those who don’t learn Torah and should, and for those who learn Torah and shouldn’t. Full time kollel is not for most people, it is for the individuals. Too many people use kollel as an excuse for not working, and too many people feel entitled to support from their parents and in-laws. The kavod of Torah has gone down because of the way people abuse kollelim. People need to take life more seriously or else there will be no more money for future generations.
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