David Morales know how hard you have to work to get ahead because at a young age I quickly realized how stacked the deck is against regular people. At 16, I started doing farm labor to help support my family. In high school I took college courses at night, graduated from college at 19, and got my Masters in Public Policy from Brown University at age 20. For many this would be the "American Dream, " but I still struggle to pay my bills, much less, invest and save for a future.