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I agree, but don't forget that every year, things get harder because everything is trying to find more ways to take that extra money from you. From schools, companies, and government they are all figuring out ways to come up with new mandatory requirements for stuff that normally ends up being a new fee or payment on top of what you used to need. For example when you are in school, you probably need way more certifications in things which costs more money either by a 1 time fee or sometimes yearly fees and a lot of this never existed 20-30 years ago. I feel like we pay for literally everything, and it all keeps going up as well. It's hard to get ahead when everyone wants a piece of your pie.