[iN7h33nD]

So we shouldn't start a family on 21k, but then you say that the median household income is 60k. That's because two married people making an income of 30k each before taxes gives 60k. So which is it don't start a family or do? Why should people with less opportunity not be allowed a family anyway? Even with your 60k median (basically a bit more than 21k each) is hardly enough to live on, saving for retirement is just out of the question. Your logic here is very flawed, without even getting into any other numbers/situations these theoretical people may go through. Take the average cost of health care, utilities, medical bills, dentist bills, rent, and food. Even if these people were to do no eating out and no entertainment, I think you would find that they would not have enough to save for retirement. Throwing the word lazy around is a "lazy" argument