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Inflation is outpacing wage growth. The US middle and lower classes are struggling.

And regarding the Stock Market: How Many Americans Own Stock? More Than You Think | The Motley Fool https://www.fool.com/research/how-many-americans-own-stock/

The Top 1% own around 50%. The Bottom 50% own around 1%. The Top 10% own around 87%.

And stock ownership has gone down 4 points since 2025. People are raiding their 401(k)s and IRAs to afford living expenses. And there are huge tax consequences for taking money out of a 401(k) or IRA early. And that's if people even have 401(k)s and IRAs.

And around 53% of US adults don't have a liquid $1K in case of an emergency. Survey: 43% of Americans Don't Have Savings to Pay for a $1,000 Emergency | Banking Advice | U.S. News https://www.usnews.com/banking/articles/2026-financial-wellness-survey
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