I don’t know what to say Shannon. My family was not ordinary, both of my grandfathers were the members of Ukrainian government. So I had really happy childhood and everything I needed. I graduated from the State University, education was free. I always had an opportunity to choose a job. I mean I made a choice, personally. Then there was really hard time for young people when USSR was collapsed. There was no salary in a place where I worked, so I had to change my specialization completely. But after some time I earned really enough money.
BTW about #3 - housing - there was just about $20 to privatize our apartment. Is it a lot of money? )))