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All these things were done before massive consumer debt, and people with enough self discipline are continuing to do them now.

> how to do you start the business to make the cash reserves?

Not all businesses have this luxury, but fortunately for most of us software has an extremely low startup cost. Start with what you can afford and expand as you can afford it.

> how do people get an education when they can't afford one? My wife payed $0 for her undergrad degree by getting good grades. Her second Masters was essentially covered by her employer. I payed $4,000 for a Masters in CS by working my tail off while I went to school.

> how do people get to work before they have a car to save up enough cash to buy a car?

Take the bus, slug (if its available in your community), ride a bike, or put some walking shoes on. I work with several engineers who are humble enough to ride their bikes to work. I have a neighbor who walks to work every day. Put away your money and before you know it you can buy a car. The concept of savings is really not that absurd.




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