I agree that income is far from wealth. I make a good income doing what I do, but I have a six-figure student loan (which largely went to raising my step daugh

I agree that income is far from wealth. I make a good income doing what I do, but I have a six-figure student loan (which largely went to raising my step daughter and son). I don't expect any sympathy for that. Nor do I expect sympathy for living in small town with a crazy real-estate market. But between those, it's likely I'll never retire and will die in debt. But hey, I do plan to take up paragliding and climbing bigger mountains, so whatever. I guess. But hey, I also funnel a lot of cash to my kiddo who is getting all-As and is a Junior in a well-respected Mechanical Engineering program. These are generational problems. I suspect that regardless of how you slice it, that fact about student loans (or lack of professional options for unsettled late-millenials) and real-estate is closer to the truth for most of the people I know who didn't settle down in their 20s and have kids. My climbing partner, who just got priced out of this town, might look like he's living in poverty, as he's living in a car. But it's a lexus and he's climbing rocks full time... so maybe he's just "retired" temporarilly. Who knows. I can't tell the difference between hobos and kings anymore.