You seem to have neglected the most important one: privilege.

Millions of Americans are stuck in a cycle of generational poverty. Really difficult to manage even the first one when you're grinding to just put food on the table daily, and that's the reality for 46 million Americans right now.

This ultra-priviliged, ignorant "you just gotta grind for it" attitude is literally what this meme is making fun of. Congrats on being the butt of the joke and doubling down on it.

Somehow I highly doubt your mom spent 1/3 of her pre-tax income to send you to private school. And based on how much she paid for it, I assume you went to private school in the 80s. The median family wage these days can't afford rent, much less $15-20,000 a year private schools, which by the way is what they cost this century. And if my assumption is correct about you growing up in the 80s, that $15,000 a year is the equivalent of nearly $59,000 a year today - higher than the median family wage, so not quite dirt poor.