Carol Roth

I paid for my own college.

I came out of school with $40,000 of college debt, which was obscene.

At the time that I came out of college, now it's sort of par for the course.

So I understand the mentality, too.

Fortunately, I had a father who was very financially savvy.

He didn't go to college.

He was an electrician.

But he very much instilled the you don't take on debt, you do everything very conservatively.

And that's generally served me quite well.

But I do understand that housing is so expensive.

Education is so expensive.

As you said, it's a lack of trust.

And the other thing that's going on in the zeitgeist that we haven't really touched on is that

It seems like the people who do the right thing keep getting slapped in the face and the people who skirt the system keep getting rewarded.

We see all of these frauds and these NGOs and these people who are basically taking advantage of the system.

We see criminals who are getting let out on the street.

If I step into the street the wrong way, I'm going to get a ticket for jaywalking.

But somebody who's

punch people out in downtown Chicago 74 times, well, we should just let them off the hook.

So the incentive to play by the rules has kind of that social contract has been broken because you keep seeing time and time again, oh, you can open up daycares in Minnesota and make millions of dollars even though you don't have any kids or you can watch your friend's kids and they can watch yours and