manc,
Anyone can achieve financial independence - janitor or doctor. It does require having an income from job or business when you are in the accumulation phase.
If you don’t do that, and apparently most do not, then you take what Uncle Sam gives and gripe.
ampu
she’s nearly 80 and when she grew up the woman stayed at home but sadly her husband died and then she fell behind on bills
it’s easy to say what you said but it’s not easy in real life for all