Well, looking at the median American citizen’s household debt of approximately 65K USD, 40 hours per week doesn’t seem to be nearly enough. You can’t keep spending consistently more than what you earn over DECADES and then demand less working hours. I know there is a lot of nuance around the subject, including student loans, home affordability, etc. BUT: If you can’t afford to study and if you can’t afford a house, DON’T DO IT! Look at emerging markets. People don’t buy stuff they can’t afford. It’s basic common sense.