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Many are lamenting the old world, where a family could earn a living wage with one parent at home with the kids, buy a house, have vacations and retire after 40 years with a company. That dream is dead and likely your future if you are pursuing that.
The American dream has transformed over the decades from the Boomer life to the world of the Millennial, Gens Z and A. Their American Dream is grounded in the freedom of the gig economy, the Internet and access to a global clientele.
Preparedness protects your dream, wraps your life in a blanket of insulation to limit the harm from exogenous shocks. If you're trying to achieve a dream that dies decades ago, you're adding risk to your life.
No one cares whether we agree on the new economy, or whether we think it is just or right. No one cares and the world will blow by you in monetary gain and expansion as you complain about not achieving what the Boomers and Gen X had, however, if you pivot to the new American Dream and adjust your preparedness to that, well, you're golden.
To be successful you must adapt to your environment, to the economic circumstances that drive the world you're in, not the one you prefer or want.

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