I'm pretty sure most people reading this have spreadsheets that carefully plot expected lifetime earnings, carefully modeling different assumptions about genera

I'm pretty sure most people reading this have spreadsheets that carefully plot expected lifetime earnings, carefully modeling different assumptions about general and healthcare inflation rates, anticipating likely tax code changes, etc., and don't know anyone who doesn't. But it would floor most HN readers to realize that probably around half of Americans have zero particular plans for the medium and long term, with a meaningful minority not having a clue about how to pay their bills next month.