I think,respectfully, that none of you have been in this situation and are posting platitudes towards the Working world. I was in kollel and went to work(like alof of my friends) and even though I have a few degrees, the job market is still tough for me.
Included in the fact is that everyone assumes that since I am working, so I can pay full tuition and give tzedaka etc to the fullest. Having a degree doesn’t guarantee you anything and b’mchilas artchill,there are people whose families are earning over 100k gross who are having problems today.
As a famous Rov and Rosh Yeshiva told me, most of the rich people that i deal with never went to college.
What we really should be doing is creating a venture capital fund and an ideas bank (all our retirees and businessmen)to create new businesses that could help employ others such as Citybrook in Israel does with ladies.