@louis again all those things could make getting out of it harder for sure. There is no doubt some people may need to put in more effort than others. But again all are capable.
At 15 my 100k job was my first job. So prior to reaching that point of success my mom was the only one creating income through welfare mostly, that had to support the whole household as no one else worked.
Yes we had huge medical expenses as my mom was in no way encouraging me, I had to fight her instruction as a parent so she was constantly trying to get me treated by psychologists or doctors to "get me under control". She has parkinsons and the crippling anxiety that goes with it, my grandparents had multiple strokes and heart attacks, we had huge debt, and likely some undiagnosed PTSD on my grandfathers side.
And I do agree people always are the hero of their own story. I won't claim to be an exception here, but i think my story speaks for itself.
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