Most people reading this (outside of VC kajillionaires) are not your enemy. But it does go to show how messed up things are. We recently saw a financial planner

Most people reading this (outside of VC kajillionaires) are not your enemy. But it does go to show how messed up things are. We recently saw a financial planner. Compared to most people we know personally (in a variety of non-tech industries), we are doing really well with tech salary. But compared to retirement projections, we are actually only treading water. We might be able to retire a little early, but only if things don't take a major downturn. It underscored just how whacked things are. The next twenty years will change society. What now seems like a personal responsibility (for everyone to save for retirement) will fail so thoroughly that it will become a massive societal problem. I know so many people who pat themselves on the back for "being responsible" by putting a few hundred bucks into their Roth during tax season. It's dumbfounding how insufficient that is. Students and people with service income think that tech people have it made. In reality we're probably more like the middle managers of the early 80's, earning one notch above the blue collar union folks. We don't really know if we'll make it to retirement before ageism or a crashing market will make our savings irrelevant.