@malwaretech As a working class conservative who will actually retire as a millionaire without winning the lottery or coming up with that one "great" idea, let me explain how.
First, I graduated college debt free. I took 8 years to graduate, and worked as a janitor cleaning toilets so that I could pay for it as I went.
Then, I avoided debt through the rest of my life. I buy old, used cars with cash and I don't try to live like I have money that I don't.