Sometimes it seems to me that human race is on the mission to make ourselves miserable. For young people there is student debt and we tell them that they will never be financially free unless they are geniuses and/or kill themselves working. For older people who went to much cheaper colleges, they will never be financially free because we will spin this story how they are not creative enough for modern business.

Most young people just explore the space of existing ideas and the newest fad. The fad itself is probably created by young genius, but most of young followers are just that: non-creative followers. Only when we are experienced we shed our fears and majority of us can be truly creative and disruptive.