This! “So the reason most Americans have no retirement isn’t because they’re silly and forget to save; it’s because they’re broke as shit and have debt to pay.” I’m a late boomer. My generation has failed you. A vast majority of us have endured 35+ years of augering in — a protracted downward spiral ushered in by the Reagan revolution. Now we urgently need to spark a 35+ year revolution to reverse the trend of enfeebled corporate-owned government serving the few to a people-centric government serving the common good. Excellent post. Thank you.