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d21lewis said:

You're a lucky and blessed man. Some people have no option but to struggle and owe money. Unfortunately, everyone can't be at the top of the food chain.

Luck and blessing played no part in it, my family was poor, i just got off my ass and grafted, paper round and yard work till old enough to work, then full time night job while going through college and university (to pay for college and university).
At one point running two jobs in chain because the initial job switched from full time to part time.

Trouble is most people these days think they're owed something just for existing, and don't have the drive to get off their backsides and work for what they want.