Thank you for the additional readings and your response Ben Le Fort! Yes, that answered my question. I was just reading too much about other people and their tough situations and probably being too emotionally invested in them (as an empath, I feel pain deeply even if I am not directly affected). However, for myself, I never took out loans and my parents do have retirement (which is rare, I guess, but it was possible in a one-income household- we were very frugal and had to make sacrifices to get there).

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