I agree with most of what this thread discusses but I also have to make a point re: "afford to live like adults" https://twitter.com/thenKTwrote/status/922533719327551489 …
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The point I want to emphasize here is that it's backwards to think of adulthood as a set of creature comforts that can or cannot be afforded
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Adulthood is about living responsibly *regardless* of how rich or poor you are. It's a set of behaviors, not a set of goods!
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No doubt that a declining standard of living will mess with people's sense of maturity--but that's mainly bc we have a backward sense of it
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A couple of 20-somethings with a few kids, who don't have debt, save a little while still paying bills, etc, but rent and take transit...
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...are substantially more adult than if they had a house and two cars but were drowning in debt, living paycheck to paycheck
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End of conversation
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nitpick: the median US income hasn't gotten poorer, it's stagnated. and by per capita, richer, but inequality erases most of the gains
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