> top percentiles of household income but I'm not independently wealthy and I have no idea how my kids are going to make it It might not be too late to change

> top percentiles of household income but I'm not independently wealthy and I have no idea how my kids are going to make it It might not be too late to change this. I also lucked into being in the right place at the right time (interested in computers and programming when graduating in the 2000s). But from the start my goal has been to take advantage of this extraordinary luck and become independently wealthy. My wife (who's not in tech but has a solid $80k - $100k job) and I have lived very cheaply saving more than half of our takehome pay for more than a decade now, investing it in simple index funds. I, too, don't know what the future will hold for my kids or my career, but I'm relatively confident I've got 10 more high-earning years in me. And my spreadsheet tells me that will be enough to generate generational wealth such that my kids won't have to work if they don't want to. This obviously isn't a solution for everyone, and I realize much of your post is about US policy. But I just wanted to point out the potential blindspot that you may have from your upbringing where "independently wealthy" people are those people over there, and not me. But with a high income and the magic of compound growth, it's not so unattainable.