If you are unable to do so, spend as much time as possible studying law, I found Robert Fox's work very helpful (can find on Youtube), in order to contest debt. If you can't keep expenses below income that means you go into debt. The key is to stack bitcoin regardless by beating the debt through self-education on how to use the power of paper (writing to debt companies) to your advantage, and how to win in any collection lawsuits that may arise (study real law from men like Fox). You don't have to be an elite class of person to get wealthy. It's all about education