You ever think your assessment of for every hardship there are multiple people sitting on a million dollar estate may be a bit skewed?

Maybe mine is skewed the other way as I will probably be the first person in my family ever to have a net worth over $1M and even as a mid 40s Delta NB captain I'm not quite there yet (excluding insurance policy) if you count the balance of my 401k and equity in my house, but I'll be there eventually.

But based on my family and most others where I grew up, I am a 95th or higher percentile outlier on the right side of the income/assets bell curve.

My goal was to never go back to poverty. Been there, done that. Was homeless as a child when my dad got sick and couldn't work for 6 months. But a hell of a lot more Americans live closer to the poverty line than 2nd year FO pay at any major.

I seriously doubt there are two millionaires for every person in the situation my mom is (collecting SS based off my dad's earnings) or my cousin will be.