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I was born in '74 and now am a white collar professional. My wife and I both have advanced degrees and we have a very good living. The reason we have a nice living is that our parents taught us to live within our means. I paid for my own college and went to a state school. My wife's parents paid for her college and she went to a private school. The point being is that these people in the article must live within their means. Even though my wife and I make above average wages, she drives a 1993 Nissan and I drive a 1997 Ford. Granted we live in a nice home with a fairly hefty mortgage, but we saved our money to put a large enough down payment that our monthly mortgage would be well within our budget. Finally, as for Social Security we should push our elected leaders to set an end date where my generation would no longer contribute nor recieve benefits. I am planning my future as if Social Security would not exist.