Gen X followed the rules.

Work hard.
Max the plan.
Delay gratification.
Trust the system.

And yet retirement feels fragile, spending feels wrong, and confidence in institutions keeps eroding.

This episode isn’t about interest rates.

It’s about what happens when a generation does “everything right” and still ends up boxed in. When retirement accounts solved accumulation but killed flexibility. When policy feels political, not procedural. When spending feels irresponsible even when money exists.

We unpack:

• Why Gen X feels hustled by the promise of high achievement and retirement accounts
• Why institutional trust is breaking down and what that signals beneath the surface
• Why gold, policy theatrics, and market behavior reflect confidence erosion, not panic
• Why spending guilt persists and what it reveals about control, identity, and choice

This is a conversation about money, culture, and judgment.
Not tactics. Not fear. Not hot takes.

If you’ve ever thought, “This wasn’t the deal,” this episode is for you.

👉 Take the Retirement Readiness Scorecard:
https://concurrentfp.typeform.com/genx-scorecard

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