He doesn't have a reference because it's nonsensical.
Say it takes you 15 extra years to get into the workforce over a UPS driver, that you're saddled with $400k of debt and that UPS driver is the highest compensated driver in history at $100k.
$350k over 30 years is $10,500,000 - $400k = $10.1MM
Say it takes you 15 extra years to get into the workforce over a UPS driver, that you're saddled with $400k of debt and that UPS driver is the highest compensated driver in history at $100k.
$350k over 30 years is $10,500,000 - $400k = $10.1MM
$100k over 45 years is $4.5MM
Your net earnings is >200%