> waste prime years of their life. I'm not sure that life is wasted, but I'd suggest financial opportunity is wasted. You just can't reach the level of financ

> waste prime years of their life. I'm not sure that life is wasted, but I'd suggest financial opportunity is wasted. You just can't reach the level of financial security that the previous generation could if that previous generation had a drastically lower cost of living relative to income for the first X years of their adult life. Especially as X approaches the length of your entire career.