I understand what you are saying. My main issue was that 75,000 dollars with no SS or other supplement is not going to keep people afloat for 20 or 30 years after retirement assuming they live that long after they hang it up. I see an increasing number of people that will not be able to afford anything more than bread and cheese or bologna. I used to be more critical of people who were struggling in that they were not trying hard enough but anymore I see a better cut of person struggling.
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