People should adjust b/c the world is not static and they have to or hazard getting passed by. Much of that article is either showing how many middle class people do a piss poor job of planning and saving or more class warfare. Middle class families and the poor aren't' doing bad b/c other people are doing well. There is no finite amount of wealth where if the rich have X percent it means the rest are screwed. I know you dismiss my life as just an anecdotal outlier but our middle class would do well to be educated on how people like me build a good life instead of demonizing people that have been very successful. All that being said, do you have some solution to the issues you have brought up?