In a perfect world, you’d grow up with financially stable parents. Your parents saved your entire life for you to go to the college of your dreams. You graduate with a degree, and go into the career of your choice. You then make $59k salary that the statistics promised you. You’d have no student loan debt, you’d get a job in your chosen field a week after graduation, and you’d be livin’ the life.

Reality check.

That lifestyle is right up there with unicorns and cotton-candy clouds for the majority of Americans. Most Millennials and Gen-Zers were raised with this rose-colored idea preached to them by society, but without the actual reality of a loaded 529 saving account and a field-of-study that guarantees a lucrative career.