I think this has to be a huge chunk of it. I'm 40, have an established career, make the most money I've made in my life, live in a smaller city and I can barely afford to get by. I can't afford to take a vacation. I can't afford to buy land or a boat or something.

Retirement situation looks grim, likely a bullet to the head. I have literally nothing to look forward to and every day gets harder and harder to tell myself "better things are coming" because I know they're not. Short of a violent revolution in the US, the screws are going to continue to tighten. Like, this is it. This is the culmination of my life's work, barely getting by.

I can't imagine being a teen in today's world. I guess the benefit is that they probably don't understand just how fucked they are.