Is this supposed to be satire. Quote "Many people assume they will be able to keep working indefinitely until they are 90 or 100 years old but in real life that rarely happens," I don't think there is a human being in the bay area who wants to or expects that they will have to work into there 90s.

Additionally what lifestyle are they aiming for. The Bay area is made up of millions of people. Maybe 5% of that are millionaires. The rest of us are living here on sub 200K a year family incomes and making it work and its mostly comfortable. I think this article is basically saying if you want to live the upper middle class lifestyle you now need to be a millionaire. Even in the rest of America only a small percentage of people live the upper middle class lifestyle. Who is buying a new car every year, going on multiple vacations and savings extra money for inheritance. I'm sorry but the average person saves through home equity, goes on one vacation if they are fortunate to do so a year, and tries to maintain a car for several years if possible.