“How old are you?”
In the middle - lots of years of work behind me, a good number ahead of me.
I made a point of making sure that my kids got through college with NO DEBT - and that meant staying clear of the “top tier” universities and doing other stuff to pay their way, real-time. I don’t like debt to begin with, but I HATE IT when it’s put on the backs of MY KIDS and they can’t do jack about it.
But you LIKE IT that old people were suckered into thinking they were paying into a retirement fund and are being asked to just do without it and can't do jack about it.