> It's going to be people who didn't have kids or have estranged kids and are widowed or unmarried that are most exposed, and that demographic will only keep go

> It's going to be people who didn't have kids or have estranged kids and are widowed or unmarried that are most exposed, and that demographic will only keep going up. For millennia that was the standard retirement plan. It covered housing, food, medical care, and even entertainment. And portfolio diversification (ie have lots of kids) was just as important.