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I agree.  The bottom is falling out of the system due to COL increasing but wages remaining stagnant. The old system of “get a job to live” is dying an agonizing death. In 60 years we went from being able to find ONE job, be able to afford a house and car, work there your whole life, and get a pension to working multiple jobs, layoffs, and a stock market attached retirement plan. The scam is over.