re: 1 out of 4 bachelor degrees and nearly half of masters degrees have a negative ROI

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Yep. If a man doesn’t mind some physical labor and some sweat, he can become very successful in fairly short order.

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IF that person also possesses some basic business sense and some cursory computer skills for doing bids, invoices, bookkeeping, etc. Otherwise, they could lose their arse a short order. Often times the barrier to entry is the initial investment into equipment of whatever field you choose, vehicle(s) and some cash in the bank to get you through the startup. Never dealt with the SBA as I always heard they were a pain in the arse but it's always an option.