The way I see it. If you don't have the skills to command a healthy income AND you are wrapped up in consumerism, anyone with a little insight and math ability will see, that they won't get very far. So, in a sense, it's hardly worth starting. Work hard, and live a frugal lifestyle, and you might get somewhere, but who wants to do that?
Was listening to ads on local radio a few weekends ago. No interest furniture SALE. Pick it up and ENJOY it tonight. Don't pay anything for TWO years! Man, that must be enjoyable, to START paying for two year old furniture.