That was my thought reading this. 'I have bills but I choose not to work because the jobs are beneath me' People used to see the schooling as a way to skip entry level work. But now as a society, all it means is that you put money in before time. Its just not that special any more.

20+ years ago I put myself through college in an IT field, went to work in an industrial plant right next to the guys from my highschool, that dropped out to work. They had 3+ years work experience over me, I had to start at the bottom. In the time since then, I have worked in a dozen places, for a variety of wages to support my family. Where I am now is no mistake or act of luck. It takes hard work.