I own a smartphone. I make more than the median income. I’m saving at a rate more conservative than the 4% rule. I put away more than 10% of my salary towards retirement +”savings” +kids college. I had more than 1x my salary in retirement at 30, not including general savings or an emergency fund. Without googling the latest information I’d wager I have more in my 401k and Roth than the median American twice my age. I’m not the problem... I’m not saying don’t own a smartphone, but if you can’t make ends meet, maybe don’t make fucking phone payments @ $25/month for the rest of your life to AT&T or Apple. Rock an iPhone 7 for a few years and use that extra cash for some bonds or simple ETFs. At 70 years old no one is going to care that you had face tracking bitmojis before your neighbor. Most Americans have “lifetime savings” that are multiples of their weekly take home pay not their AGIs, that’s scary as fuck to me, and I’m the prepared one.