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This is a mock monthly household budget for an American family in 1985. If we compare that to a hypothetical budget in 2022, we can see that most expenses scaled with inflation with a few exceptions. Rent, out-of-pocket healthcare costs and childcare are notably more expensive in 2022 even when accounting for inflation. And costs associated with retirement increase by more than 60%. But these numbers are not accounting for a big expactor, consumer debt, such as credit cards and student loans. Total outstanding consumer credit was nearly $600 billion in December 1985. By 2022, it was nearly $4.9 trillion. That has been rising over time. You know, student loans weren't really a thing for baby boomers. Millennials have larger student loan balances, bigger mortgages, much bigger car payments than their parents did a generation ago. In addition to more expensive childcare costs, higher prices pretty much across the board. So that does make it more difficult to set extra money aside or make any long-term plans. We're living in two separate economies. The American dream that was pitched to the gen exers and the boomers is no longer present. A lot of people, particularly the working class, don't think their children will be as well off as they were. That's a problem. Many, many people live in what I describe as a break either. For the course of the year, they might make enough money to pay for basic living expenses and cover their bills. But if one major thing happens, then they can get behind.