Are you referring to student debt vs starting salary with your net worth comment? Otherwise I'd love to know where the average student is graduating college with such healthy investment portfolios.
Not student. By "23 year old", I meant a CS grad one year out of school who has been working for a year at a large tech company. Even if the tech grad had the 2014 national average student loan debt of ~$29k for all majors (tech majors have less debt), after 1 year the student will have easily paid off the debt and saved $25k.
Such a person won't be a "typical tech grad" as the typical tech grad is not going to end up at Google (there just aren't enough slots, if nothing else). But, in the parameters, gotcha.