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“If you look at the life of the average-educated, hard-working person, there is a similar path. The
child is born and goes to school. The proud parents are excited because the child excels, gets
fair to good grades, and is accepted into a college. The child graduates, maybe goes on to
graduate school and then does exactly as programmed: looks for a safe, secure job or career.
The child finds that job, maybe as a doctor or a lawyer, or joins the Army or works for the
government. Generally, the child begins to make money, credit cards start to arrive in mass, and
the shopping begins, if it already hasn’t