As for the debt, one lesson my parents taught me is to do everything possible to never go into debt. Don't spend more money than you make. If it means you live really hard, then that's what you do to stay out of debt. My family has always taught me that people who owe debts will never get ahead in life. Every cent you spend in interest is lost to any possible investment purposes.
You need to look at this way, my ancestors arrived here with nothing but the clothes on their backs. They were worse off than you, and yet they managed to turn it all around. Was it a difficult life them? Of course! But they did it on their own without any help from the government.
And I have seen some extremely lazy people who are on various government handout programs. They do need to get off their asses and go to work. They are abusing the system and taking away funds which could go to the truly needy people who are physically disabled and cannot work.
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