This is true, coming from a middle class family employed by government, i can attest most things like this are passed down from family. I have been lucky to hav

This is true, coming from a middle class family employed by government, i can attest most things like this are passed down from family. I have been lucky to have come to Us at the beginning of my career, though, so it has been mostly easy to figure out. Debt is part of wealth building.