I feel really lucky that I dropped out of college without accumulating any debt, and that I was never unemployed during the recession. I wish that gave me some

I feel really lucky that I dropped out of college without accumulating any debt, and that I was never unemployed during the recession. I wish that gave me some ability to advise other people on how to escape the debt+unemployment trap, but other than "be smart and tenacious and lucky", I don't actually know what to say.