Just do the math..
When we start spending, costing, more money than we make, something has to give or brake.
Just a couple examples: Gas jumping up 30 cents a gallon over night when years ago gas being 30 cents a gallon would jump 1/2 a cent.
To carry a house,kids going to school, upkeep, car, food, etc. You and Wife both working and still can't keep up then our government tells you to save for a pension. Some may be able to, but most can't any more. Our government then turns around and says they want more out of your pocket when the company that you working for wants concessions. We are running a race to the edge of the cliff. Technology is moving to fast, things are out of date before you buy. I sit sometimes out fishing thinking about what is happening and it's scary. I have 11 grandkids, I think will they ever afford to retire. I'm on my way out, maybe that's a good thing for me. I don't think this generation can cope a depression.
But Entropy, that's just my opinion.
I hope I'm wrong.