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I gotta disagree.....make your own pathI get where you are coming from, I really do, BUT if 20% of people magically started making better decisions, 20% of people wouldn't now be wealthy.
That isn't how it works. Wealth isnt generated by people going to college. The pie remains the same size, and everyone's slice stays the same, no matter how many good decisions are made.
It isn't about personal responsibility. It is about the reality of economics.