Suddenly realizing that we don't even qualify as newbies; we're far from that;

At best, we're just the fertilizer providing nutrients for the chives in the vegetable garden;
Did you buy a house, or pay millions in taxes to the country? Or lose millions in the stock market? Or start a company to contribute to the country?
The real newbies are at least middle class, people with annual incomes of hundreds of thousands to over a million are the true newbies.