[czbond]

> (the vast majority of wealth for the non wealthy in the US is someone's primary residence real estate)

But this is not solely on the top 10% to be maligned. We should force everyone to save.... even $5-10/month adds up for the least privileged over time. We force everyone to immediately pay taxes because the money would not be there year end - we should do the same for saving because it is easier than changing human behaviour.

A lack of education at most societal levels to: be taught the impacts of forgoing now for later, think long term, act long term, resist impulse to spend on consumer or ego level goods for societal "approval" or mating.

Home are the primary source of wealth for families because it is forced payment.

It is what a good parent would do - and every person needs a "parent" for some aspect of our lives (we're all bad at something).

[toomuchtodo]

60% of Americans cannot meet their basic needs on their income. They simply do not have enough income and cashflow to get exposure to the capital markets. No amount of education fixes a system structured to extract. We took pensions away saying they were unaffordable (they weren't, those contributions just go to shareholders now), took wages away through globalization and more corporate power, and then blame the human as if this was their fault. "Have you tried eating less avocado toast?"

More people crowdfunded for basic needs like food and housing in 2025, GoFundMe reports - https://www.pbs.org/newshour/nation/more-people-crowdfunded-... - December 9th, 2025

Most [bottom 60% of U.S. households] Americans don't earn enough to afford basic costs of living, analysis finds - https://news.ycombinator.com/item?id=44119317 - May 2025

[koakuma-chan]

But what is it that they can't afford? They don't have a job? Rent is too expensive?

[czbond]

Wholly agree...