I am no Dave Ramsey but I have learned a little from some of my own mistakes. As an 80s graduate of the Father Guido Sarducci Five Minute University, I was highly sought after for low-level retail jobs at first. But when they dried up, I was forced to go back to school and get an additional degree in communications. Now I would still have a low-level retail job with with student loan debit to go along with it. Facing an uphill battle, I did the smart thing and started a family.