Agreed. We grew up poor, in a strict religious household but we were not homeless. We played sports, studied hard in school and fortunately hung out with the good crowd. The one aspect that was instilled in me was a hard work ethic then eventually proper investing long term - young kid until present time ( making your $$ work harder than you do, but not lately )
, and living below your means. But when I went to a school, working multiple jobs allowed me to graduate without loans. Can it be done ? Yes but not without a lot of sacrifice and hard work, some luck and not always keeping up with the Joneses. I just acted like a sponge listening to a lot, reading a lot and setting up a nest egg because you never know when you might need it.