I honestly think that if people can avoid a few things in life that it all goes so much easier.
#1- No student loans.
#2- Never finance a car unless you can put 50% down and pay it off fast. It's ok to drive an old reliable junker.
#3- Avoid a big expensive wedding.
#4- buy a house young and pay it off quickly.
If we taught our kids that in grade school we'd be a much better country. Then again, if we were smart enough to do that we would be smart enough to vote outside the fraud box.