You make some good points, however, the real key to being wealthy is not necessarliy better qualifications.
The stats on dropouts and college educated people are correct because most dropouts are exactly that. People who choose to leave formal schooling early in order to really learn how to make money will invariably make far more than any college graduate. Think about this as a grad you go and work for some large corp. who pay you say $40k to start with and maybe 5 years later you are on $120k. Now the guy who leaves school early and starts a business he has a four year lead over the grad. If the school leaver understands the concepts in books like Kiyosaki's and Michael Gerber's E-Myth Revisited, he will start a business he hates. Why? He will not want to work there - but, and this is the real key - he has other people working there. He owns the business or to quote Michael Gerber "work on the business, not in the business".
Lets assume the young guy starts the business and it returns him just $10k in profits the first year and he spends that first year setting it up, the next year he leaves his first business running and starts another. Now lets say each business grows at 20% per year, after 4 years he has 4 business generating him about $60k (compounding the growth each year). At the end of 4 years he is getting $60k without having to do much work at all.
The trap that most people (like myself until recently) fall into is the start my own business hole. What happens, and it is deadly, is that you think you are good at what you do, so you open your own consultancy. Wrong. Why? You are working in the business. The business relies on you. If you stop working the business stops. Too many technical specialists (like myself) do this and fail to really become business owners. I am educated to the hilt, two degrees, 25 years of experience, yet until 4 years ago I was never really wealthy. That is when I read Kiyosaki's books.
Read his books, particularly Cashflow quadrant and then you will understand the true difference between an "S" (which I was/am) and a "B" (which is what I am now becoming). Major shift.
For anyone as young as iome, the books could change his life. I only wish I had known the things I know now about money.
And if you really want to blow your mind and understand how money really works get a book called "Winning with Money" by Sprinkel and Geneski (ISBN 0-87094-135-6). Written in 1977 (try www.alibris.com
to get a copy) it explains how the Federal Reserve works (now that is an eye opener) and how money is made and destroyed. Ever wonder why interest rates go up and down - read the book - you will then know how to win with money.
(I might even start an off-topic thread on all this - it is one of my pet subjects).