I'm on the other end of the spectrum for the most part. I was born into a huge family and actually started my adult life 3k in the hole (on top of those student loans) because I let my parents use a credit card in my name which they didn't pay back, but yeah, I've been lucky in a big way these last several years.

I have everything I need and some of what I want, and in today's America, that's as close as you get to the American dream if you're not born wealthy in the first place.