It's taken a generation for the young to figure out that the high cost of education is an albatross around their financial future. Once saddled with the loan there is no way for the majority to ever pay it off and then have the American dream. Many of the young have turned to trade schools that will pay off sooner with less financial burden. While the payoff is sooner for making a living, it is not so good in the later years of their lives in the last stages of labor before retirement. That's when the vigor of youth has left and the wisdom of how to do the job shows up but the body is tasked with an increasingly difficult physical performance due to age.