Think about it this way, many people graduate college with 50k+ in debt, they can't just graduate and live with their parents to "try out ideas". They need to g

Think about it this way, many people graduate college with 50k+ in debt, they can't just graduate and live with their parents to "try out ideas". They need to get jobs and pay off loans. They may have kids or wives to support and they can't just take time off for their career growth. Furthermore, a lot of their parents can't afford to house them. Only a select few white suburban kids can safely go live with daddy and have food and everything provided for them while they code up their node.js app for a year. And if that doesn't work out their daddy can get them a job through his connections. Now obviously living with parents while holding a full time job is sensible. edit: Another way is to think about this. Who can take the risk to take a few years off to pursue something? The rich white person with connections, no debt, and food/shelter provided for them? Or the poor person with massive debt, poor parents, and a small shared apartment?