Invest wisely, be frugal with your money, work hard and make sure you get a good job.. This way you can enjoy life, live comfortably and not be forced to work when you are in your late 50's/60.
Problem is you go from 50k to 300k or more.. people go crazy.. BUT those student loans come due, your kids need clothes, and if you try to keep up with the Joneses you will work until your body falls apart.