If you can speak 2 or 3 languages, if you can understand advance math, if you have completed your degrees, still you are not going to win in life. If you can't manage your finances, if you can't manage your emotions, if you don't know how to handle stress, if you don't know how to communicate, write, write, talk, speak well.  None of it is going to matter, none of your degrees are going to matter and that is the problem with formal education. They don't teach you how to deal with reality and real life.