Topix Underground

What we pay for insurance could literally have funded a generous retirement account.  There is no more middle class. And it's insurance. We're required by law to insure our cars, in some cases you a required to have flood insurance, health insurance - real coverage for a family would be 2 grand a month if you can afford that - we can't. So we have some bullshit from the "marketplace" that is 100% useless. 
15 years ago, I had a six-figure bank account and Blue Cross.  I don't have a rusty Porsche, I didn't take a trip around the world, I didn't snort coke off a hooker's back.  It just vanished. I wish I would have blown it. I wish I would have walked away from a mortgage.

Most of the folks I know who think they are middle class are just working class with a lot of debt.