[BrandonMarc]

One of the most important points that the paper makes is that everyone’s income and wealth tend to follow a kind of natural pattern during their life. [People under 40] haven’t been working for many years, so they don’t have an opportunity to save as much; they also need to make investments in things like education and new home ownership. [People in their 40's and 50's] have worked long enough they start to accumulate wealth rapidly.

I don't mean to SHOCK you, but did you know there's a massive age gap between young and old people? Also, an experience gap. Something Must Be Done About This!