[burnstek]

I'd call that a broke person with potential, but that person is still currently broke. I would hope that person looks in the mirror and also agrees they are broke, and will make financial decisions with that in mind.

In many ways, this is how so many folks end up drowning in debt. They "bet on the come" by assuming they are investing in the right education, will be successful in their field, etc.

They delude themselves into thinking that just because they make $75k/yr that they aren't broke.