41% of working Americans say they can't save for retirement because they're stuck paying down debt. Another 39% blame housing costs.
This isn't a retirement crisis. It's a present-tense crisis.
You can't build wealth when you're drowning in payments. The math doesn't work. The psychology doesn't work. The compounding never starts.
We talk about 401(k) contribution rates and market returns like they're the problem. But most people never get to that conversation. They're just trying to stay above water.
Debt and housing costs aren't temporary headwinds. For millions, they're the entire weather system.
This isn't a retirement crisis. It's a present-tense crisis.
You can't build wealth when you're drowning in payments. The math doesn't work. The psychology doesn't work. The compounding never starts.
We talk about 401(k) contribution rates and market returns like they're the problem. But most people never get to that conversation. They're just trying to stay above water.
Debt and housing costs aren't temporary headwinds. For millions, they're the entire weather system.