I am a voice over IP engineer and probably will still be one till either they let me go or retire. 

Now if you are seeing that almost everyone has a college degree except for a few outliers whose actions did not follow any particular course you can duplicate than its time to drop the lesser goal for the greater goal, suck it up, go to college and establish yourself in every meaningful way that will get you to where you want to be.My personal advice is just one of many voices but I'll give it.

Yet they DO believe it’s ok to willingly sign a 30-40 year mortgage and pay $100s of Thousands of dollars in interest for 30-40 years merely because its commonplace and the because the mortgage community has the loudest voice.

I'm doing voice to text and my phone is hard of hearing :)

As for the note, be genuine and let it be your voice.

Another millennial mindset is everyone’s voice and opinion has equal value and should be given equal weight.