trouble understanding simple economics? Ehm.
It's nice to be stary-eyed. I used to be one of those, but without any real ambitions to make the dreams come true.
Now I'm not and been working hard towards my career goals. No silver spoon anywhere near, no rich daddies, no house as security for loan.
Guys posting above summed it up.
I think your 1.5yr 'research' didn't unveil too much to you if you come up with these questions after the experienced folks lay it down in plain English.
You can realise your dreams/goals, but it's not likely to be an easy path. Whether time, giving up stuff, slaving at work or studying wise.