Are you American? Speaking for myself, I don't have a safety net aside from my family. So I need to be responsible for my own healthcare, potential children's e

Are you American? Speaking for myself, I don't have a safety net aside from my family. So I need to be responsible for my own healthcare, potential children's education, and retirement. Some people are born under lucky stars, or believe that life will provide, I'm unfortunately am not of that camp, so I want more money for the unpredictable future.