Super simple: * Pay still not kept pace (~4-5%) that that's just averages, catch up may still take years. * Personal debt skyrocketing [1] and compounding

Super simple: * Pay still not kept pace (~4-5%) that that's just averages, catch up may still take years. * Personal debt skyrocketing [1] and compounding the personal prices of things * Rent and Electricity are skyrocketing. Personal anecdote: I live in CA, the CPI numbers don't match up here... cheese 8oz = $7.50, $10/lb chicken, bacon=mortgage, electricity 3 times national average ($0.44 and up), rent & housing = insane. Your typical non-organic choices at Safeway are like you're purchasing ultra-luxury Organic expensive shit at Whole foods in 2019. Some job markets are... falling apart 15% average layoffs in 2023 Many companies are filled with employees carrying heavy negative attitudes 1 https://www.statista.com/chart/19955/household-debt-balance-in-the-united-states/ https://www.statista.com/chart/19955/household-debt-balance-...