Sometime in early-to-mid university when I realized that college in the US is just a glorified and expensive High School degree which doesn't get you much, and that being smart was not enough to get what you dreamed or felt you deserved in life. Then I had to struggle to not just drop out from total disillusionment. I finished just to not disappoint my family but was terribly depressed realizing it was a waste of time and money and my life was going to fucking suck after it was over. I wasn't wrong.

If you're not born rich then you need to be incredibly lucky, if you're not either then life will be really tough.