Brought to you by the Every Dollar app.

Start budgeting for free today.

So my question is, is the American dream still possible, in your opinion?

Because I've seen a lot of things and headlines recently that have made me really scared

as someone who's 18 years old, seeing things about how, like $100,000 a year just doesn't cut it anymore to get by,

and I'm just kind of scared for my future, so I wanted your input.

Okay.

I think if you go back and had some fun and went back in red headlines at any time in the last 150 years,

you could find headlines that would tell you the same thing.

1950, 1940, 1970, 1990. I think you could find, you can always find headlines that say that the world is coming to an end and that the dreams are dead.

My friend Ziglar used to say, he said every morning I read the Bible and I read the newspaper, so I can tell what both sides are doing.

So whatever you look for, you will find. And so that this is part of it is there's a mindset

issue I can tell already here, but let's lay out your financial situation as to why at

18 you're already feeling this cynical. Right. So I had gone to an at-of-state college for my

freshman year. I just finished that up. And I accumulated $16,000 in student loans. They're all

federal. But I'm obviously, I wasn't happy about that. And I started listening to Dave and kind of realized I was a

poor decision. So I came back home and I'm going to be going to a community college and then

transferring to an in-state university to cut down that cost and not go into more student debt.

Good for you. What are you studying? What do you study? Finance. Good for you. Okay.

And so what makes you believe that if you get a degree in finance that you can't prosper

in America today other than headlines?

I don't know if one of my issues too is where I live.

...