[vertex-four]

Your entire post is nonsensical - fact of the matter is that unlike Silicon Valley tech workers, the vast majority of the country doesn't get paid six figures for sitting on their arses all day, and the vast majority of what they are paid goes to necessary expenses. Building enough savings to survive for two decades is simply not possible unless you're decidedly upper middle class.

[sremani]

I disagree with your assessment. I do not live in Silicon Valley nor do I make 6-figure salary.