As the piece says: > Another way to square ‘vibes’ with Scott’s optimism is that life looks great if you’ve already “made it”: your pricey HCOL home is surging

As the piece says: > Another way to square ‘vibes’ with Scott’s optimism is that life looks great if you’ve already “made it”: your pricey HCOL home is surging, and your high-paying white-collar job is funding your large nest egg. Your monthly student loan payments are tiny relative to your large monthly income. But getting to that point requires clearing many hurdles and most will never get there. We know what the problems are, we are simply unwilling to put meaningful effort and resources into rectifying them.