I was a worthless Political Science major who spent 40 years banging nails as a carpenter to provide for our family of 5. After a while, my wife went back to school to study nursing on top of her BS in psychology.

Our three kids grew up, upstairs, in our 1700 sq.ft home in a quiet neighborhood. They went off to universities and now are functional members of society pulling their own weight.

My wife is still doing 40 hours in our local hospital as an ICU nurse, keeping people alive, many of them just cureless alchoholics or druggies.

We keep an airbnb going in the upstairs where our three kids once lived before they managed to get out and do their own thing.

The income from that upstairs airbnb in our tourist town enables us to take a few days off every now and then and go sit on a beach somewhere, which is not a terrible thing to do when I am pushing 70 years and she is still wearing herself out in the ICU doing the mandated 40-hours because the hospital will not allow a little 30-instead-of-40-hour routine for a 63-year-old women.

It's a hard life, but not as hard as that being hammered out by those multitudes who are striving to get ahead of the game without the benefit of some career education that could really make a difference.

As for your prescription outlined above, I can only read 'em and weep.

Good luck with that.