Yes to that, but I think it is worth mentioning that most people can’t afford any of the options you mentioned. You are correct about planning for the future — if one can afford to. 100 million people currently can’t find full-time work that pays enough to pay the bills, and they rely on credit to cover 10% of their cost of living every year in a financial train wreck that’s inevitable. They barely live paycheck to paycheck.
It’s not a matter of ‘poor choices’ as some lucky few claim. It’s luck and more luck, or inherited wealth. Most, Americans anyway, are witnessing their lives crumble around them like a creeping incrementalism that ultimately seals their fate in a slum somewhere sleeping under a cardboard box if they don’t die from lack of healthcare. Retirement isn’t a word they understand.
But hey, for many they can overcome this by, well, playing the economic game and being lucky. Some just take advantage of others financial woes and sock away riches so they can afford to maintain a separation between the “haves” and “havenots”.
If we were to truly consider America the best place to find life, liberty, and the pursuit of happiness, we should at least be honest and admit that few ever catch up with happiness through prosperity.
Thank you for the “look on the bright side” article, which is 100% correct on how to survive the future for those that can afford the avenues you mention.