Great article. Conversation so diverse and transparent … so many families experience downward mobility .. what if each generation dies not do better than the previous. You carefully address what people often see as a personal problem. I am learning that there are many other factors at work. I am unlikely to achieve what I took for granted in my family of origin. Invest and recoup. Many seniors .. even those who saved are facing unimaginable situations and rarely look at issues of class and societal factors