Back in 1986, I had 2 jobs, 1 delivering packages full-time and the other cleaning windows and offices nights and Saturdays. I did not go to college right out

Back in 1986, I had 2 jobs, 1 delivering packages full-time and the other cleaning windows and offices nights and Saturdays. I did not go to college right out of school and I had no marketable skills. I was able to save $16,000 in 2 years, all of which was counted against me when I applied at the local community college. And, yes, I had no TV most of that time! No computer either. Never ate out or travelled. Lived in crap town where all it does is snow, rain and cloud over. Drove cars that cost less than I now gross in a week. There are people all over working just as hard and with kids and maybe not so many educational possibilities. Life can be tough. But even these folks used to be able to save a little bit of money and earn interest on it. If you only save $200 a month for 30 years at 6%, you end up with $200,000. Even if they have any money after paying all the taxes, they can't earn any interest on their savings anyway. The same $200 a month leaves you with only $77,000 at .5% after the same 30 years. What we're doing is punishing the very virtues that made it possible for even the least skilled to move out of poverty back in the day.