We might not be offering you much hope, Migillicuty, but not because you are not being heard...and I think you make a great point here:
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I feel like society has been completely fooled into accepting this typical way of living as, "the grown up and responsible thing to do."
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There was a time when something like "forty acres and a mule" (figuratively speaking) was where or how a man could make a start and maybe even become iconic while raising a family, but now the acreage has all been consumed and "The Great American Dream" is at best a memorial pursuit leading to a nightmare. Our infrastructure is crumbling and I would guess most of today's young people cannot possibly live without being in love with debt (aka "good credit score")...and on and on we could go about all of that with no relief ever coming into view.
Be frugal and prudent while carefully discerning between necessities and conveniences (ultimately mis-perceived as necessities), and while looking for that niche where whatever you are doing will always be as close as possible to always being needed by others.